IMVHO you are not crazy and this has nothing to do with crazy. It comes down to how much of a gambler you are and/or have you identified a better place for the money. No situation is 100% one way or the other. I make this about 80%-20% in favor of the masses and your broker. Of course, those percentages can switch on a dime at any time. If this is a very small portion of your portfolio there is nothing wrong with swinging for the fences.