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If you are not sure about how you have applied the scoring methods to the health risks you are taking, revisit your worksheets. If you have created an excel spreadsheet, you can move some numbers and consider the impact on the equations.
At the end of the day, it's your money, it's your health, and it's your life. Friends and family, clinical consultants and insurers, can provide some advice. But only you know what's really important. Look again at your personal health mission statement. How will you achieve your mission if you continue to do behaviors that knock you off course? How will you achieve your 10-year goal if you don't change your course of action?
Look around you. Are you living the life you want? Do you have the energy and stamina to make improvements? If not, develop the plan to make the change: 1/ what's the targeted change? 2/ what's the investment you'll make to succeed? 3/ what's the measure you'll use to know if you are achieving your goal? 4/ when will you revise/refine your target to stay on your mission?