In my life major decision must pass my "sleep at night" test. Before I act on it I pretend I made a decision and then discover if I am resting easy with it.
People have different tolerance levels for financial risk for various reasons. I agree with talking with one or preferably more fee-only FPs who have substantial experience with people in your circumstances. Then weigh their recommendations and make your choice. You are the one who must live with it.
I also agree that posting on TOTV is a good idea. One never knows where a a useful suggestion may come from.
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"No one is more hated than he who speaks the truth." Plato
“To argue with a person who has renounced the use of reason is like administering medicine to the dead.” Thomas Paine
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