The most important thing is for me to make an informed decision based on my values and my personal situation. We are all very unique. Unique goals and aspirations. Unique risk profiles, medical, family, financial, inheritance, psychological, physiological, hereditary, location, .... you name it we've all got lots to think about in this decision.
There is not, nor will there ever be a "right" answer on this for any of us. This is not an 8th grade algebra test question. I sure as heck have no idea what the best decision is for you. But I really appreciate the good, constructive non-judgmental dialog and information that people here volunteer. It's really nice.
I am collecting as much constructive knowledge and information as I can, and will make an informed decision in consultation with DW, and not look back. My own worst critic is myself, so I will look at my choice from as many sides as possible and play devil's advocate before filing. No second guessing or Monday morning quarterbacking allowed!
In an earlier post I thought I had come to a decision. But after more reading, more learning, more modeling, and talking with DW, I'm not so sure anymore! I'll keep noodling for a while and I'm sure the right answer for me will come. There is no great hurry as I'm nearing 59 years old.
No one on this site is impacted by the choices I make other than me and my family. I respect what others choose to do because that's their business.