+1 on Post #5 above.
“I’ve read most of the threads on CC”…apologies for being snarky, but if you had truly done this, I’m guessing you wouldn’t have felt the need to create this thread. The forum rewards people who do their homework vs. starting “tell me everything I need to know” type threads.
Bear in mind that when my older daughter was going through the process (our family’s first time through), I DID read every post on the SPS and SAS threads to date at that point. So I’ve been there, done that.
Oh yeah, and +1 on mathman’s Post #3 and payn4ward’s Post #4 above, too.