I know what you mean about all the scary posts on here. It can be very discouraging. I haven't been banded long, but, so far so good. I also was a self-pay. Don't let all the posts freak you out. I figure it's like anything...people are more likely to be vocal if they're complaining. While their complaints may be valid, there are hundreds of others who you don't hear from that are having a wonderful experience with the band. Good luck.