My D cost $4000, no assets, no kids, limited support for 2 years. I'd go for the one with more hours. For $288 you may save a lot of money AND, if you don't need it, I expect it still will be worth it in terms of giving you some decent options. Being empowered will do a lot in terms of your well being and also really help you detach and give H space. Also, you can always use it to do your wills, etc...
