conan,
Good luck with all of this advice. Every opinion is personal to that person. (bet that wasn't hard to figure out). Ask 100 people, get 100 different answers. One is not wrong, and the other right. They are all right to the person who has it.
I believe in the end, you will do what you think is right for you. Many will most likely disagree with your choice. Just don't ever stop, your financial future depends on it.
Happy trading, Good Luck!