David,
I feel a bit like Linus and his blanket.
I have never practiced without the security of my blanket. A steady 2 week paycheck, patients having to pay little out of pocket for seeing me etc......
However, I have never thought of being without the blanket until I met differing ways of thinking on this board. It is really not revolutionary or new ways of thinking, just new to me.
However, the blanket has become barbed, cold, and now is a noose around my neck that is slowly tightening, and really has more than served its function and really needs to be thrown out, and like you, I should have over a decade ago.
But Linus wasn't ready to get rid of his blanket until maybe now. I have changed, and the group in which I practice has changed.
I think being rid of the constraints of Medicare would be liberating, but it is none the less, quite frightening being without my barbed, cold, noose.