Thank you, one and all!
Very interesting discussion. More to consider than I imagined!
Yes, some do have opinions on this! Good, logical ones!
(Though some have firm opinions, the cordiality is uplifting.)
It now seems to me that it is one of those issues that has to be made for oneself.
Thanks again, the replies give me a base for my thoughts.
The benefits of multiple counselors shows in a great forum like this. Thanks!