You base all your decisions on a paranoid reality. Just because a rate is adjustable does not make it more likely you will lose your home. For the first five years, it is less likely if you have a lower rate. Why do you insist that your reality applies to everyone???? It is STUPID to pay extra for a rate when you know you are gonna move. STUPID. End of discussion.
When the rates are at historic lows which way will they go? Up. I for one will not gamble my family’s future on an ARM.