@littlek,
littlek wrote:
If this were a nasty political discussion, I would say we've found the central issue.
3) The person I bought them from is nice and I don't want to upset her.
If she's really that nice, though, I'm sure she will be understanding of your decision.
Here's another con; you will probably still have to pay for the molded ear pieces. If you pay for them, make sure you keep them for the future.
I'm not sure it's 'a use-it-or-lose-it' proposition. It may take longer to fully adapt to them, but I don't believe your hearing will be the worse for waiting.
If it seems likely there will be insurance help in the future and/or a possibility that the technology will improve in the low frequency range, waiting might be the better option for you. On the other hand, if they help some now, we know they won't last forever and the advantages of waiting will be there in 5 to 7 years.