To borrow or not to borrow, debt free is the way to be etc etc etc. The way I see this is a risk vs reward. How do you decide though where the risk is to great or the reward to little? How do you decide to purchase a ...

Unfortunately I've been away for a few months while taking care of some personal matters, so I haven't been able to keep up on discussions. 
However, several months ago there were ample amount of folks here insisting...