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

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

I looked through this again recently and I think the best replies are the ones that explain the reasoning, not just the final choice.

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

Still one of the better threads on 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.