I think you're on the right thought pattern, it's pretty much how I view this mess as well.
I think I'd hold on to what you have for the near future. It's being said from some that the housing bust hasn't hit bottom yet.
I'm very leery of any good news out of D.C. regarding the average guys plight. When the bad actors got their bailouts and bonuses, it did nothing but leave the working people holding the bag.
I still have a house in downstate Michigan that is up for sale. In 2003, the State Equalized value was $130k, it's now not worth that much on the real estate market. SEV here is pretty close to half of what a property is worth on the market. Now, 8 years later, that very same house has a SEV of$60k. If ya think I'm bitter, you're damn right. Many are smarter or learned than I about the crap that has happened, but I feel I lost megabucks, at least to me. I'm not looking for anything, but just feel I'm in some pretty good company with how many millions of others, that basically overnight found themselves in the same situation.
Thank you wall street, ruling class, Goldman/Sachs and others. You SOB deserve to roast, and you still got your bonuses. What a bunch of lowlife POS.
Oh. and for the record, that includes you Mr. Bureaucrat, in fact, all of you.
That isn't directed toward you ducati, just to the ones that are responsible.