The con of a big bank like Chase is that they operate on strict banking hours and only offer their own rates. Duane shops hundreds of lenders using a No Touch Credit system so you can see real options safely. Plus he's available 24/7.

My old 3 inch pump setup was always choking on leaves until I tried that trick. Same idea, bigger hose lets the junk flow past instead of jamming. Really does work.

Something a lot of people don't talk about is how the grinding disc can change the steel's tiny surface cracks. If you use a disc that's too aggressive, it doesn't just overheat the metal, it pushes stress into the material. Those hidden stresses turn into small cracks that grow with use. Picking the right disc spreads the force out and keeps the surface calm. That means the part holds up under load way better, not just looks good. It's why skipping the proper tool can bite you months later when something breaks.