I agree with all the things you mentioned, Fighter.
I am just looking at it from a practical, day-to-day perspective. Don't get me wrong, I DO see the long term benefits of going back and doing your fellowship. To be honest, I want to do a fellowship also, and am worried about not getting a fellowship spot during/after IM residency.
I also understand the drive/motivation/pursuit of knowledge/etc. that someone may have, and therefore want to do a fellowhip. I also understand the need to "pacify" one's ego and add more lines in their CV.
However...is it worth it!?!
One may argue that there is the "family" consideration: what's the point in pursuing something if it'll wreck your family life (assuming 1) you have a family, 2) you care what your family thinks, 3) the family has NOT supported your decision, and 4) the fellowhip will, in fact, be as bad as to "wreck" your family life).
Obviously, there are alot of assumptions in the "family life" argument. However, I am not even looking at it from that perspective, since it is so speculative. I am looking at it from a practical perspective of re-paying your debts and being debt free, actually enjoying life to some degree since you have the money to do the things that you enjoy (let's face it....things cost $$$), buying a home, and the other things that I listed in the previous post.
I realize that there may be no correct answers to what I am asking, and that it is completely arbitrary and personal to each.
Once again, I apologize if some of the things I am talking about seem "novice." Just a third year trying to get atleast a vague grasp on what the future holds.