It's a really difficult decision Dave, and I totally appreciated you acting so sensibly with me. Goodness knows I need it 
If I was in a better financial position I'd simply buy the lens outright, no questions asked. I'm still a good 25 years away from retirement (a time when most people seem to splash out on that big lens) and I just want to get a maximum length of time out of something that gives me such immense enjoyment. It's not an easy decision and I certainly feel guilty knowing the mrs is letting me spend that much money on myself, but she is letting me. So all I need to do is make the decision
If I was in a better financial position I'd simply buy the lens outright, no questions asked. I'm still a good 25 years away from retirement (a time when most people seem to splash out on that big lens) and I just want to get a maximum length of time out of something that gives me such immense enjoyment. It's not an easy decision and I certainly feel guilty knowing the mrs is letting me spend that much money on myself, but she is letting me. So all I need to do is make the decision