This is not a tale of woe about my card. Really, I don't care about how the card looks in the end, but it is an interesting bit of psychology. Choice is effort. Many times that effort is rewarded, but sometimes it's more effort than reward. I wonder if this is why apple products are so popular. Someone else did the choosing and then charge you for the effort.
In most cases I like choice, but I think people have to be careful to watch their own psychology to help separate reality form perception.
And no, I still haven't made a choice of what to replace it with.