SubsonicMortal, hi there. My friend you will ongoing hear all kind of stories.
Good once as well as bad once. All very much a personal choice and preferences. If you need someone whispering in your ear "GO" than ask someone of your buddies you know is gonna say it. It's also very personal choice when it comes to money. Euro people (captains) will probably reconsider their positions as soon as Euro/US$ hits 1.5. F/Os will stick it out waiting for their command. That's just an example. The list is endless.
Sorry cant help you.
Cheers.