If you/we went that route . . .
personally,
I’d want you to insure that the new set-up would be
LESS STRESS for you, for John
and then for the rest of us.
Otherwise . . . the cost might be too high per benefit.
I DO THINK it COULD be set up decreasing the stress . . . there are likely folks you could trust to take some of that stress off of you in such a situation—freeing you for the nicer aspects of your life.
That might make it worth it . . . in addition to decreasing concerns, anxieties & sheer hassles etc. every quarter.
I’m going to continue just the way we are. No stress here. Thanks.