Well, you certainly have your pick of experienced guys to chat with! Anything in particular strikes your fancy?
You would do well to "talk" with KDaddy23-------he will answer your questions intelligently (and in great detail!) and also relate interesting and insightful personal experiences that are always well-worth "listening" to-----if you had to "talk" with ONE guy here on this topic-"KDaddy 23" is the one for certain!
You will find that there are a lot of great guys here who will be right there to relate their own experiences and "talk" to you as well-------glad that you joined us-------