I know this was directed at BBD but I would like to chime in too
I don't think there is a magic time that the ansswer is clear to you. I think it is different for every person but, for me, and quite a few friends in the same situation, it wasn't a huge dramatic event that solidified our decision to D...rather it was something pretty inconsequential. It's just about where your line is...you'll know once it's been crossed
