"So - ladies and gents - do I go pure mad mental and get the SL, mod it to the limit of my credit card & worry about the future (kids, job) when & if they happen?"
PS I'd go with this one! lifes too short bud and if your sums work out mate just go for it[Y]
(and like me you can always go the other way if the sums or other issues dont add up later)