I seem to be out on a limb with this (and thank you for the kind words Lathyrus😀). I can't remember all the 'what if's now, but I do know there were several as well as the skiing woman. We just wouldn't have thought about many of them, so if we'd done it ourselves we wouldn't know we'd failed to consider them, if you see what I mean.
The trouble is that we only do this once, and by the time we find out whether what we chose was for the best we are likely to be 'too far gone' to know about it.
I'm certainly not in favour of unnecessary expense on things like this, but with hindsight I am pleased that we did things the way we did, although as yet nothing has been put to the test.
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