I feel like a lot of people are somewhat sentimental about their HP, I know I am. I could never part with all of it. The higher the price goes the less I would need to anyhow, but if it someday entered the $50+ realm I stick with my intention from the start and pull out enough to buy my wife and I a house. It would still be max 75% of whatever my HP at that time is though. I really like this trend of posts and replies and posts by others discussing your posts that you've started BTW, it's made for a lot of good reading!