You can't make a logical assessment for this type of decision, because the logical decision would be to lose the SL and buy a Buick sedan.

Odds are that you've got an idea as to what you want to do, so go for it.

If it would help to hear some logic for doing that, let me know what you want to do & I'll be glad to give you some BS that will make it sound perfectly reasonable.

In any case, enjoy your retirement.

Alan