I don't think anyone is gonna talk you out of what you are already decided in your head. Even with all the no's and fees it seems you don't care but so be it. Its your money, not saying you will loose it at all. I just think when there is too much business like attitudes, fees for everything, make you jump threw so many hoops its not for me. I will put some work in but hey its seems like you have big money to spend and determined no matter what. I guess we all want what we don't have or hard to get..
I used to be a frequent on PD , MRB and NS.. but we all know how much has changed !