Gary, you said (Partial)
However, I'm unwanted in this thread because I too often question expensive folders.
NOT TRUE! Expensive folders aren't "Your thing" so what. I wouldn't pay $150 for a pair of boots. That doesn't make me Unwanted anywhere that I know of, just that I'm not into that stuff. Heck If I have to pay 30 bucks for a set of jeans I don't buy them!
I'm not cheap, just frugal.