I can't speak to the initial post question cause I haven't a clue.. I'm a 72 year old oxy-moron... Retired musician. Since the late 1960s I've always had a meat and potatoes system. Kenwood, Sansui, Pioneer, Yamaha, Marantz or Onkyo.. with Braun 810s and Thorens TD 125 Mark something (I forget the rest). Upgraded over the years to more audiophile stuff when CDs came into being.. When I turned 70 and discovered SACD I had a realization.. I have a ton of available credit. My present debt will never get paid in my lifetime. I'll make my payments, but never finish. I decided who cares. Call it all the interest paid over 50 years. I was thinking, after standing in front of Marshalls on 11 for 50 years, Why would I wanna wait until I'm wearing a thousand dollar hearing aid to listen to $18,000 speakers. So I took the plunge. Not a hobby, but a one time top line system buy. Spent $40,000 plus of the banks money. I'm talkin' just 3 pieces. Integrated amp, sacd player and speakers. S*#t, I spent more on cables than I ever did on any single piece of electronics or speakers in my life. I've never ever heard music as I'm hearing now. So the point is if you are over 70 you have more 'disposable' income than you think. Just charge it. don't worry about interest. just make your payments, enjoy your music and then eventually die. Simple. Of course you can't do this at 50 or 65 years old. You'd have too much time left. But at 70? Do the life math. Who cares.
