I think I have most of the variables that I need to figure out the strategy that I want to follow. If the APR of the HP + the benefit of owning those SBI units is greater that the interest on SBD, I think that its a no brainer to delegate.

This will especially be true if the maximum SBI vote per post increases, I don't think I can keep up with daily posting in the long term, especially if I want to keep it even remotely useful. Even as it is, a lot of my posting is navel gazing as I try to get my feet under me,

I'm going to spend some time this weekend thinking about it, and come up with v1 of the strategy and then I can actually start figuring out the type of content I want to be producing.