Normie, I actually fear that I will one day be in the position that you are in. I hope that along the way I see enough stories through others and their experiences that I'm able to make the right decision. From what I have seen so far, the results have all been very much the same.
As another said, you're going to do what you're going to do. However, if you find yourself back where you were 5 years ago, are you going to have the strength to pull yourself out?
Good luck with that...........as they say.