I'm Young (26), zero debt and no family.

At the urging of a good family friend (Fedex 777 CA) I have chased the quick upgrade by leaving one regional (S5) for another. (YV)

Would I recommend that to a guy with family and 100k in debt? Heck no!

I think everyone's situation is unique.

Either way I'll let you know how it worked out in the next 6-12 months.