I wasn't challenging your decisions at all - instead I was hoping to point out that there are subtleties to everyone's situation which can be steamrollered by DB principles...
you certainly sound as if you've done some deep thinking on this
You've been wearing your swanky new "Anticipation Cloak" for a while now - and if I may say so -it rather suits you sir!!!
So knowing you have an answer for this - what happens after the summer?
