Curious whether anyone has a newer take on this now.

I think this thread still has value because it focuses on the practical side of the question rather than only repeating generic advice.

A topic like this can easily turn vague, so it really helps when people describe the tradeoffs they faced and what mattered most in the end.

That is a really practical question and I think a lot of people run into the same issue.

What I find helpful is when people compare what they expected at the beginning with what they understand now after more experience.

This kind of question invites the sort of discussion that makes a forum feel genuinely active.

This feels like the kind of topic where real examples would make the thread much stronger.

I think questions like this work best when members explain what changed their opinion over time.

It would be useful to hear different perspectives here instead of only one standard answer.

Threads like this can become really valuable when people share specific situations and not just broad advice.