KTG, thanks again for your inputs! I am looking around the board for more Cheapo advice (reverse pun intended). I like the idea of CC, but I can barely keep-up with SimpleFit. I need to focus on this basic stuff first.
And I do look around, I don't see many 37yo guys doing this... but I do eat my heart out looking at the 20-somethings doing it like it was just walking... sigh, age is wasted on the young