Party,

Somewhere -- a long way back, perhaps two or three years ago -- there was an indication by someone (if I remember rightly) claiming that 1:5 was the best ratio.

I have often thought of that when various people indicate 1:4 is the way to go. I'm almost certain that figures were given to back up the claim. I have made some effort to find the thread through the good 'search' facility on the forum; but it is hard to narrow things down. 'Ratio for a place' or the like just returns too many possibilities.

I'm pretty sure that the figures showed that straight up returned the best of all, as you would expect; but, besides the thoughts that you gave above, there is the very real 'psychological benefit' (for want of another term) in receiving a return on a regular basis --- for myself anyway.