OP pay your debt off. Sounds like you are making smart choices financially and will continue to.
jandrews very smart well thought out posts, seriously.
I completely respect your thought process and agree that there is a solid argument on home ownership. Not wanting to completely thread jack OP but I somewhat disagree with your home ownership stance. In the right demographical and geographical area and educating yourself it can be a very smart decision.
I have done the math on several occasions, buying vs renting and I fully understand your view. If the purchase is well planned and executed even in todays market there is money to be made, as I view it as a forced savings account. Some of the items you mentioned that the homeowner paid are also tax deductible. I feel that you and I as others can smartly discuss this for weeks in a different thread. Remember that even in a tough housing market in general, each state, county, city, and community has their own local market. In other words, in my community in Idaho the market is still achieving a steady housing growth and the properties I own and have owned have gained value, as a community in Cali, Ga, etc may have lost. Anyway, good points j and sorry OP.
Pay your debts off OP and enjoy not paying the "man" interest on a depreciating good.