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This discussion still feels useful, especially for newer readers.

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.

I wanted to bump this because it still feels like the kind of topic readers search for when they are trying to make a real decision. The strongest rep...

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