I agree with all of those who say the peace of mind of being debt-free is worth more than a few dollars that may or may not materialize.
I certainly would not put money at risk versus paying off debt.
However, if you have a guaranteed CD FDIC-insured or a Treasury backed by the full faith and credit of the US government that is at a higher interest rate, any tax implications aside, you are not really putting money at risk and then it's just the difference in interest versus the peace of mind.
I might still pay it off but that's just me. Free advice and that could be all it's worth
