I'm often amazed at the level of knowledge some people here have regarding finances. It's intimidating sometimes - I post a question about something I think I have a pretty good handle on, and I get a load of responses that remind me just how much I don't know.
But, I've come to realize that even if I don't pick that absolute optimal solution for my particular financial problem, that I've learned enough that I can pick a pretty darn good solution.
And for me, it's important that whatever financial plan I choose, that I understand it. That is, I'm not just doing it because someone told me it's the right thing to do. I'm doing it because I understand how it works, and what the risks are. There are some good sound investment principals that are pretty easy to understand and to implement, and that don't require a lot of your time. So maybe it won't be the absolutely most tax efficient plan if I live to the age of 97, but it's still a good plan and I understand it will work good for me.