Ginger, what your D did is awesome!!! There was a lot of thought put into that and very special thing for a child to do.
As for HC, to be honest, I feel like you think he is going to offer you more if you tell him your ending it because your not getting more.. I am not still not sure why you think "breaking it off" would be better for you than just going with what there is. I feel like you two are dating, really enjoying each other but dating isn't good enough for you, you want a boyfriend and you want it now...
If he remains in your life, then you will have someone who you can "occasionally" go out with when you need a romantic night out on the town, someone who you can be intimate with when the urge is there. Having someone or people in your life like that will take away pressure from the next guy you are "dating" and keep you from needed so much so fast.
M - 9 1/2 years 5/5/16 - Bomb drop - 3 week EA 10/31/16 - We sold house 01/10/18 - D Finalized