I have nearly 40K @65 approximately average bought and paid for (half nearly 3 years ago and half 10 months or so). Part of me says that's crazy, just get shut but ....
My totally un-mindblowing perspective on SKP for a long time has been that the education is worth every penny. To my mind (ridiculous as it may be) if you've nothing at stake you're less likely to take in the lessons.
Or perhaps like I said before I'm just stupid and want to believe what I see as correct.