How much do you want to see leave your accounts?
(not how much you can afford, becuase usually you can afford more than you would want to spend.)
do what you want doc, but ask yourself; would your wife care about 200$ at a time, or one 10k plus another 5k plus another 1k?
:drama:
good luck on your decision. you'll most likely love it no matter what route you decide to go.