thanks for all your varied point of views, it is quite helpful. As Brian pointed out, individuals have different thresholds of risk with which they feel comfortable. I guess that I am one of those who likes to always have some kind of option left in my back pocket.

But I realise that this may not be possible now that I have reached what could be labelled as a critical junction. The evidence does suggest that the RT is the logical thing to do...and that will likely be what I decide to go for.
Watch this space
dave