A guide for people making the decision for the first time.
Ask around and you will get a different answer every time, so here is the short version.
The exceptions
There is a deadline involved, and missing it costs more than the difference. Nobody is required to explain this to you, which is half the problem.
What it costs
The exceptions matter more than the rule, and there are three of them. There is a deadline involved, and missing it costs more than the difference.
What actually changed
There is a deadline involved, and missing it costs more than the difference. The figures move about, but the direction has been the same for three years.
It rewards a little attention now and punishes leaving it to next year.
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The short version, for anyone who has not been following closely.