[Marction]

counterpoint (though this doesn't really apply to you, in particular)

some salespeople suggest alternatives when they honeslty feel the customer is making a bad decision...or at least when they think the customer hasn't considered those alternatives in the first place.

why? sometimes it's profit motive, no question...but sometimes it's because they honestly feel the alternative is better for the customer, for whatever reason.

Customers who realize AFTER the fact that they made a poor choice will often retrun to rip the salespeople, feeling that they should have been told of other options.

I get that ALL the time in my line of work (mortgages)...some dumb ass is applying for a 1 or 2 year term, because of the lower rate, instead of paying a *slightly* higher rate for a longer term. Given that both fixed and variable rates are at historical lows right now and are going to rise in the very near future, and that when they go to renew in 1-2 years the rates will likely be signficantly higher than they are now, it's in their interests to take a longer term with a slightly higher rate (in most cases).

i.e. I don't want my clients calling me in a year or two, freaking out at their shitty renewal options, so I strongly suggest the longer term alternative now. Pay a little more now, to save a lot later...vs. paying slightly less now and getting f**ked in the future. They may be leary now, but I point out that I don't get paid based on the term they choose, so it's honest advice...they'll thank me later :)

now in your case, you certainly appear to have thought your situation through...and a GOOD salesperson should recognize that fact and back off ;)