What do you all think?
You have plenty of dough. IMHO you will be OMY syndrome forever until Medicare kicks in.
Do you value your time over your money? Because time will run out. It's not your responsibility to provide Healthcare for your son, unless he is incapacitated or unable to himself for some reason then maybe help.
With 3mil invested, even a gain of 4% is 120k. I think you are in analysis paralysis...what exactly are you waiting for again?