Simple, straightforward question. Complicated answer. (Yes, even years later.) If you are sick and go to the doctor, your symptoms will be noted and a diagnosis will issue. Not so, coins. Every TPGS has its own agenda and "opinion," or advice. The only thing you can rely on is anecdotal evidence. Some report positive experiences; others do not. The truth is you are on your own. You will make mistakes -- we all do, some catastrophic. With experience, information and self-education, you will be better positioned to make wiser choices.