Sounds to me like you should listen to Insty. Before you act though, give yourself a good dose of navel contemplation. Notwithstanding the apparent imbalance in your ACRs, as a twice ex-Flt Cdr, Sqn-Cdr, appointer and PB President, its very rare in my experience to find 3 reporting officers all in complete agreement. In the end, go with your conscience .... best of luck!