This thread is for turning claim experiences into useful lessons for future readers.
This is one of those topics that sounds simple until you go through it yourself.
In my experience, the most useful answers come from people who explain not only what they chose, but why they chose it and what they learned afterward.
I think discussions like this get better when members share the exact situation they were dealing with instead of only speaking in general terms.
This kind of conversation is useful because different members can reach different conclusions for good reasons, and that is often more helpful than one rigid answer.
It would be useful to hear how different members have handled this in real situations.
Threads like this usually become more valuable when people explain why their answer changed over time.
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.
