These are all great things to consider! Luckily, I have a few weeks before I get my membership number and account and can add the new contract. This grueling process has given me time to think about things. My other option is to get 25 more points of the Poly. I will have 60 when we close. So, that would 85 total.
100% agree to buy your 25 points direct. DO NOT feel bad about cancelling your contract. There is a reason the 10 day policy is in there.