Experts are forever arguing about what's good for us - or bad for us. Each time one produces a piece of research another produces evidence to the contrary. We get used to this. We expect it. That's what experts are for. To disagree with each other on our behalf. It's not that we can't do it without their help - but they do so much more knowledgeably... and expensively. Expert opinion may well differ over the best way for you to proceed now. But you are the real expert. Trust your deepest, wisest, instinct.