all i can say is,... in a symbolic way at least, when anyone finishes college they don't need to go back and repeat the information over and over and over again.
college was *suspose* to give the individual the critical thinking skills to make an informed decision allowing for tweaking to take place as more information is gathered. thus a mature and self actualized adult is born.
it appears that you keep going over the same ole things without committing to any one thing.
as Bob Dylan so wrote: "When something ain't right, it must be wrong."
if its all murky to you michael,... you might need to clean the mirror with all the debris blocking a clear view of what is obvious.
invest at your own risk, based on your own due diligence, at your own risk tolerance