I think freedom and pay are a lot more fungible than people realize. Instead of doing the math themselves, lots of people just assume that the risk must be too

I think freedom and pay are a lot more fungible than people realize. Instead of doing the math themselves, lots of people just assume that the risk must be too high and try to jam the lever all the way towards low risk. (though there are also people making the considered decision that the stability is worth the trade-off). What bugs me is people on both sides who act like any given choice isn't valid (like presumably all the people downvoting you).