Very concise answer Wayne - you've made me reconsider. Geez, I didn't even consider inflationary effect - the answer was right under my nose the whole time!
I find it odd that none of the "brokers" I've posed that very question to have come up with this, it's always been some B.S. about "we want to do what's best for you" and "right now it'll give you the best monthly payments until you can re-fi" or "it's the easiest thing to qualify for". None of which are satisfactory answers. Yours is. If you ever open a brokerage service, I'll be in line as a prospective customer.
