@Girlstar30 What I'm "hearing" you say is that you don't feel comfortable going above 150 points right now, even though you
want more. Long term, it will cost more per point to do 150 now and add on more later, but 200 makes your gut reaction kick in and put on the brakes.
I can almost feel from here that vibration you're feeling between your head and heart disagreeing. Good luck deciding!
P.S. I know you have a post saying you decided, but you've posted one of those about 20 times in this thread.