Welcome Alan and thanks for joining.
Thoughts?
Fortunately, all the ‘thoughts’ are there in the posts against this thread, and once read, you should be sufficiently armed to make a decision that suits you.
This forum should be a bit like your insurance company - it provides the information which allows you to make your choice, but it does not recommend. I know what decision I’ve come to and I’ll adhere to that.
Perhaps you could let us know what you decide Alan.
Kind regards,
Gareth.