I'm not completely irrational. The primary roadblock is not my paperwork allergy (which is admittedly intense) but the fact that I like to completely think through major decisions. My financial situation is unlike most people's, and insurance may not be optimal for me. While researching Kim's options, I looked at Alcor's funding methods closely for the first time, and a trust may be best for me. I try to collect other data, like this found today. Then it all goes into my brain, I heavily weight whatever Luke thinks, and bam - decision. Then I procrastinate on paperwork.