Looking at #1 -- I used to think like this, too, but have evolved some over the years as I no longer see the value of coming to the decision that derm >> IM as a student than as a resident or, God forbid, as a graduate. Let's face it, medicine is hard. It is stressful. It is relatively underpaid -- all of it. Derm may not be Valhalla, but it might be as close as we can get within the house of medicine -- so I don't believe one should have to jump through any additional hoops simply because they came to their senses later rather than sooner.