True. Been there, done that, not any fun whatsoever.

However. Huck does have an important point. My example (as everyone has a different number) one year delay=$32,650. Two year delay=$74,300. Don't even want to think about a third year. It is a balance of how much one believes it will cost to delay, how long it will be delayed, and how much one thinks a different TA might improve. Add how much you value money over possible QOL issues, or if you think QOL will improve or decline because of the TA. Easy call for some, tough call for others.