You seem to be very concerned about this all.
If YOU don't think it's right, if it doesn't feel right to you, don't do it. Us GCers can't tell you what personal choices you should make. I don't know how "experienced" you are, etc. - it seems like maybe you're not comfortable with the idea. I could be way offbase, but it's my impression, because if you were comfortable with it, you'd just go ahead and do it. Just do whatever you're comfortable with
