There are times when I feel like tossing a coin, and leaving it up to fate. I think to some extent, that's what a lot of this is all about no matter how you choose it. I am glad to have the info I do, and either way, tomorrow after once again speaking with the docs, I will make my decision and not look back.
Thank you for the input and support. I look forward to the day when these conversations are a thing of the past, and this forum is full of "remember whens"