From 1 above. You don't need them unless you are a compulsive gambler that will take enormous risks.
From 2.... Don't put yourself in a situation to have to "stick" with anything.
Yea. I didn't mean it like that and thought it might be interpreted differently than what I meant. I didn't state it the best. I'm all for making sensible changes but the one product he moved it to was completely different and seemed odd. I should have not agreed to it but this is not my field.
I realize they are making $$ off us but am fine with that if they make decisions that make more $$ to cover that and benefit us.