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RE: What's the worst that could happen?
I'm not sure why you are asking for advice in a public forum when you seem to have already made up your mind. Are you just looking for people who will agree with you? I do not! As I said earlier, I would take your wife's advice, and wait.
In the title of this post, you asked: "What's the worst that could happen?"
My answer: You could lose everything, including your wife and your health.
Good luck!
The question was rhetorical.
That can happen in a thousand other ways too and the health part is halfway there.
You too!
Forgot to address this. I am not asking for anyone's advice, this is my process and I often share it with people. Perhaps one day, it will pay off my house ;D