Thanks to all for the replies on this thread. I'm still undecided but I'll let you know my decision once I've made it.
Meanwhile...
Groundbased said:
It's cropped up during the research I've been doing into various options, but I can only say I'm planning to do the IR later because that is what the FTO's I have been to recommend.
Did these FTO's say
why they recommend doing the IR later? Is it that
figair's theory is correct?
This option seems to be the preferred one as gives slightly more money to the FTO.
Or is there a less cynical reason?
Thanks
0918