Gerhard "Ask Me About System Design" Paseman, 2011.10.14
]]>My own two cents I left in a comment --- maybe I should have just included them here. They are:
With @Gerhard, I worry that this question is ill-suited for MO. That said, I hope it is not closed --- I think it raises important questions, and MO can accomodate the occasional ill-suited question. At worst, I worry simply that the community here won't have the expertise to suitably answer OP's questions (I hope I'm wrong!). If I made one suggestion for the question it would be to pare it down, because as written it is very broad. But I don't think it should be broken into a number of questions; rather, I hope answers stay focused here.
Since the question is Community Wiki, it is reasonable for community members to directly improve the question by editing it, if they so desire.
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