if you are comfortable with paying cash upfront then i say follow your gut, everyone has a different perspective, some people have good experiences with the company and some have negative ones we will not all agree ever- if it works out then great, if not then you will learn from the mistake, we all have or will have to learn from our mistakes, just as we all have or will take risks that turn out great,
i would not use cash, however, if you were my friend, i would give my friend support in the decision, not judge or advise but support, follow what you feel would be best,
good luck