@Derrick E.

I have a list of books, podcasts, e-learning courses etc to keep me busy but I just wanna buy something!

I'm thinking something like electric not done properly and starts a fire, insurance won't pay??

proper use of this kind of credit can be just fine.. improper use can lead you to credit hell and BK 

If Im to hit my net worth goal I have for age 50, I likely do need to add a little bit more juice back into the equation.

Thanks.My layman understanding (ie I'm not a lawyer and you should consult with one for any legal decision) is:If you transfer your property to your LLC, you need to get consideration for it (ie share, beneficial interest, etc...)Then you need to manage your LLC as a business separate from you (no commingling of asset, proper documentation of meeting, proper administrative chores, etc...) as failure to do so will probably pierce its veil of protection.Except for that, unless your transfer is reversed for other consideration (like fraudulent transfer to avoid an existing creditor), your LLC should provide you the inside and outside liability offered by the LLC in your State.

It will not require any additional time on your part after you have done your proper due diligence.

The bank did not pay a broker properly and you get a lien.

When working with lead I used proper equipment, HEPA filters with a properly fitted half-face mask, and used excellent hygiene (washing/showering, not eating, not smoking, careful handling and so on) and still became lead poisoned. 

They do not have the necessary skill sets to properly screen and must always fall on the side of caution.