poorly is if you have a particularly bad string of medical issues early on in the switch over before you've been able to build up a reserve. But I guess if you have enough cash on hand to cover the TOOP right from day one you've sort of taken that risk off the table too. I fully understand and appreciate the non-monetary value of having a traditional plan that tends to smooth the medical spending throughout the year instead of big chunks here and there that can cause temporary financial and mental stress.

Almost seems like it's more a mental thing you have to get over more than a financial (with the obvious extreme circumstances discussed as exceptions to that).

Thanks again everybody!