Everyone has heard "never pass up on an upgrade". Next time you hear it make a mental note to how many times that person has been divorced. Nobody on their deathbed looks up at their family and says they wished they would have worked more. There are plenty of situations where things worked out royally like the situation posted above but generally when you see someone who has been commuting for reserve they look like they paid the price.
If you weigh all the negatives and its still worth it, good for you. I wouldn't upgrade to a painful commute or reserve though. Life is too short.