Pam, I've been reading this thread with great interest.
I'm not certain that there is any huge rush to make your big plan. It took me about 8 months before I was ready to take the plunge. I don't look at that time as wasted though.
If there is one thing I'm certain of it is that each of us needs to find our own way through this thing and that most people will not be pushed into something unless theyre ready for it.
Good luck with the BP! You'll get there.