Thanks for your thoughtful reply.

I've been using Genesis Mining and been 95% happy with it overall. A few hiccups, but it's the crypto space. As for their open-ended BTC contracts (one-time fee), they sold out of their grandfathered prices and should be releasing new ones soon. I have to say that the returns have been fairly excellent for me there. I can't say the same for my 2 year ETH contract, but I had a few solid months of that before I learned my lesson on what an ice age and difficulty bomb is.

I crunched the numbers on the BTC returns via the cloud mining and if they keep it up over the next year or two, it'll be a huge win for me. If they go longer, I'll be ecstatic, assuming that BTC is the winner between the forks. Even if it fizzles out in a year, I'll still be super profitable and have spent less for my BTC than if I bought on the open market.