I do not doubt your dedication and own cautiousness at all ...Your questions is only a good occasion to think about the essentials ...
My post are only for newbies here to think about a possible "method" ...
@mahgister I do not take a dump without having a plan (Hunt For Red October). I agree many just throw money around at tweaks and do not take the care or time to analyze the net result. I like being fiscally responsible and weigh my options and strive for positive results.