Hammers,

You seem to be doing well --- congrats. I don't think that there is much I can add; but I would tend to follow Stebbo's advice. There is nothing like the cold hard cash to get you thinking straight.

Otherwise there is the tendency (certainly in my case) to say "Well that just about fits the system. I'll put it in." Disaster. You don't have to start off with a BIG bet. Good luck.