I was under the impression it was a choice to cashout in 3 months time and that you could still use the 2 year method if you wanted (or you could just handle it manually).

Is this not the case? Is there only the 3 month powerdown and no longer the option to keep it at 2 years automatically? I'm not sure where I read the line that made me believe it was an option, but I'm fairly certain it came from a post of Dan's.