I know these kind of things have always a lot of exceptions and each person will be different depending on their specific circumstances.
I think I understood the generic view about the subject which will allow me to think about the best way to do things in my case.
These subjects can be so complex and with so much bureaucracy and possible points of views, that one can expand the subject from a lot of different angles, but the basics that "maths" explained made my understanding clearer.
Thank you guys!
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