What is wrong with you tools still turning up or even thinking about it? You have read the posts, you've been informed by those who have been burnt and still you come, ignorantly thinking that somehow "I'm different, it wont happen to me".
You know what? All the advice you need has been posted on this thread, if you don't take it and know so much better than those that have been before you, don't cry about it after you too get burnt.
heads!!
Your decision, you live with the consequences.