"So your question is really to us, asking if we keep our clients in the dark about their choices."

Nope, that definitely was not my original question to the group. My question was about whether I was missing anything in my analysis. Based on the feedback so far, it doesn't sound like I am missing anything.

The good news is that I always advise my clients and let them make the choice. Makes no sense for me to make that decision on my own - that's not good practice management, in my opinion. Why take the unnecessary risk?