Sounds to me that the core problem is too much discretionary income, and in that vein, I am prepared to selfishly offer my services. Contact me via email for the requisite account number, and simply transfer all supplemental monies. The next time upgrade fever strikes, the resulting empty account will preclude any possible changes, and you will be "forced" to be happy and content with the current system. There, I've done my good deed for the weekend. Good day...