This thread is for practical discussion in 📘 Insurance Terms & Definitions. Share your opinion, examples, lessons, and what you think other members would benefit from hearing about this topic.
I think this thread still has value because it focuses on the practical side of the question rather than only repeating generic advice.
I came back to this because it is still relevant.
It would be interesting to see how people answer this after more experience, not just at the beginning.
Questions like this usually work best when replies explain the tradeoffs, not just the final choice.
This feels like the sort of discussion that can help both new readers and regular members at the same time.
A thread like this can become really valuable if people add examples instead of broad general advice.
This topic has the kind of angle that can bring out very different but very useful answers.
I think threads like this get better when members share the exact situation behind their opinion.