Yeah, I've been trying to keep things as simplified as possible so more people can understand it without thinking too hard about it
That's a big reason why I listed several elements I weighed in making my decision

. I don't expire until December myself so I've got leeway. I might think differently if I expired soon (but not so soon I wouldn't get the full closure time added; that's a whole other situation to consider). But I also might not. I hate losing value, but I might lose more if I couldn't go during the added time in that scenario.
It's a very personal decision everyone has to make. I just hoped to offer some points not all may have considered