Roadkill,

I read your post several times and can't understand what you're trying to say. Help me out...

What does this mean:
"...and I was constrained to but it them due to job/family/move needs.

Confused here too:
"...although I own flat out several houses of the same floor-plan and could have walked into one of them down the street. So I don't think there is any "moral hazard" here, in fact I'm about the only guy I know in my situation who hasn't walked into a "backup house" if they owned one (your moral decay point is true)."