Maybe we're all just scared of the help menu.

Honestly, my gravy was a lumpy mess too until I started using cold broth instead of hot.

You mentioned the dies weren't lined up right. Did you try adjusting the set screw at all, or was it just hopeless from the start?

My old boss at a small clinic refused to approve SSD upgrades for years, said the spinning drives were "fine for Word." We finally tracked the hours, and just one tech was spending about 15 a month on slow PC complaints and re-imaging those old drives. That math finally changed his mind. It's exactly what @viola84 said about getting your time back, the ticket drop is real. The standard should be an SSD for any machine that a person has to sit and wait on.

Did you ever check if paying off that loan actually hurt your credit score short-term?