Villette,
I really must add, that only you really know your situation and what is best for you, so please choose only what works for you and what you feel in your heart is right. I would feel bad if you were swayed by my grandmother's story and then it turned out to be the wrong decision. Though I must admit, you don't seem like the type that is easily swayed. LOL.
I am reminded of a famous quite from Buddha - "Believe nothing, no matter where you read it, or who said it, no matter if I have said it, unless it agrees with your own reason and your own common sense." I think it pretty much sums up everything I was gonna say.