Curious whether anyone has a newer take on this now.

I think discussions like this get better when members share the exact situation they were dealing with instead of only speaking in general terms.

I had not thought about it that way before, but it actually makes sense.

What makes a discussion like this strong is not just the final answer but the reasoning behind it. People often discover that the right approach depends on timing, priorities, budget, or experience level. When members explain how their thinking changed, it gives the thread much more long-term value than a simple yes-or-no reply.

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

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.

This is the kind of topic that could get strong replies if members share real examples instead of general opinions.

A question like this works well because people can answer it from experience, not just theory.

It would be useful to hear how different members have handled this in real situations.