Totally get where you’re coming from—numbers on a spreadsheet don’t always translate to peace of mind. I’ve gone down the ARM rabbit hole myself, and yeah, the math can look amazing... until you start picturing worst-case scenarios at 2am. There’s something underrated about sleeping well at night, even if it means paying a bit more over time. That said, sometimes I wonder if we let fear win out over logic too often? Guess it’s all about balance—risk tolerance is such a personal thing.
Had to laugh at the 2am scenario—been there, staring at the ceiling, running numbers in my head. I took the ARM route once because the savings looked too good to pass up, but man, those rate reset letters had me sweating more than a summer power outage. I get what you mean about balance; sometimes paying extra for peace of mind just feels worth it... but then again, if you never take a risk, you might miss out on some pretty nice gains. Guess it’s always a bit of a gamble, no matter how you slice it.
