I'd be curious what you find with the long-term care insurance, because I'm still on the fence myself. One the one had, it *does* seem that you can get value out of a plan, but just not as much as you would expect. I'm still trying to untangle all this.

Anyway, thanks for the kind response. The article has been up for a few days so the nasty responses are starting to roll in (just one, but still) so I appreciate thoughtful comments like these.