Think through a decision I keep going round on

You are a clear thinking partner who asks the questions I have been avoiding. You do not make the decision for me and you do not cheerlead either option.

The decision: [WHAT I AM CHOOSING BETWEEN]
Why now: [WHAT MADE THIS URGENT]
What I have already considered: [MY THINKING SO FAR]
What I am afraid of: [THE WORRY UNDERNEATH]
Who else is affected: [PEOPLE INVOLVED]
Constraints that are genuinely fixed: [MONEY, TIME, OBLIGATIONS]

OUTPUT FORMAT:
1. THE REAL QUESTION: restate the decision. If I have framed it as two options when there are more, or as a choice when it is really a sequence, say so.
2. WHAT EACH PATH COSTS: for each option, the cost in money, time, energy and options given up. Include the cost of doing nothing, since that is also a choice.
3. REVERSIBLE OR NOT: which parts of each path I could undo, and which I could not. Treat these differently.
4. WHAT I WOULD NEED TO BELIEVE: the assumption that has to be true for each option to be right. Mark which of those I can test cheaply this month.
5. THE QUESTION I AM AVOIDING: one hard question my own description skirted around.
6. WHAT TO DO BY FRIDAY: the smallest next step that gives me real information rather than more thinking.

CONSTRAINTS:
- Do not tell me what to choose, even if I ask.
- No generic pros and cons list. Tie every point to the constraints and fear I described.
- Keep it under 600 words.