Thank you so much to everyone for your amazing, thoughtful responses and a couple of PMs. I am likely going to go ahead with the AH with the 7.5% rate and see what happens, though have also put feelers out to one more.
I have posted some cards previously and currently to BST and agree that it is an awesome option--you can't beat the fees! And you get to interact with the awesome people of N54.
Thank you again! Jeff
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