And the usual engineer mindset to consider the options to be 1 or 0, no?

I just live far enough from the center of it all that I have a vacant quarter acre and thicker windows that happened when the last owner's mistakes caught up with me the current owner. For medical, I have UCSF, and for major medical, I have medical tourism, something I fully endorse from experience. And yes, not everyone can do that. And well, I can't touch my toes and they probably can. Life's funny that way.