I agree that it is a tough decision.....who wants to sit back and watch what you have worked for go to the pawn shop for twenty bucks! One of the things that I love about this forum is that it allows the reader to partially make up his/her mind about what they are willing to do in a similar circumstance. We all have our collective experience to use in forming opinions! Nick, thanks again for sharing your unfortunate situation, but I think good has come from it! I wish that we could apply that good toward your deductible!
Jason