Post
by iubus2005 » Fri Jan 16, 2015 3:55 pm
I don't think it is dumb at all. Do a give (a couple grand in fees) versus get (peace of mind) analysis. If you can afford it without impacting your life significantly, you should do it.
Remember 28 days buffer earlier was ok, since you had a chance to always renew it, if ILR was not available. (i.e. you always had unlimited buffer). Under new rules, there is no more renewal. Having buffer is a great peace of mind, and may be worth it, depending on your financial situation. (The threshold for ILR are higher.. what if you need an extra year or something changes?).
I am about to do the same. However, I am only doing it for myself -- not my dependents -- since dependents still can keep renewing after April 2015.