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What stands out to me here is how much context changes the answer. Two people can make different decisions for good reasons.

Curious whether anyone has a newer take on this now.

Revisiting this now, I think the most helpful replies are still the ones that explain what changed someone’s thinking after more experience.

I came back to this because it is still relevant.

I had this bookmarked and wanted to revisit it.

This is the kind of discussion that gets better over time if people keep adding real examples and not just broad opinions.