The varous ‘caution bells’ are conveying sensible advice, rather than perhaps criticising the OP. And ONLY the OP can determine, sensibly and calmly, how beneficial Silver will be. If it is ... go for it.
It’s often an emotive subject here, and Status Addiction can be seen as an incurable disease! We decided going to HNL to get our first Gold was ‘sensible’ ... as it was a holiday. But it’s all about personal circumstances as to where the ‘benefits’ fall. I occasionally challenge myself about Gold renewal, but end up doing it anyway. Because we can