I would because you never know when one or more will have something happen and they'll choose to set SFI aside. I always like to have a 'back-up plan' or as I tell my family "I don't like to be caught with my pants down" meaning I'd rather have 15-20 PTL's identified just in case.
On the other hand you know what you can handle and what works for you. Do what fits your lifestyle best. YOU need to be happy first!
