One last thought. Got home tonite and unboxed my new lens. Just playing with this indoors in existing light, I am "wowed" by the clarity. The IS is virtually silent. At 2.8, hand-held at 200mm with long exposures, I am impressed. And the narrow DOF! I still plan to hold on to the f/4 for a while.
OK, I am done now. But, I am really glad I went for it. Oh, and the "pinch" lenscap ain't so bad either.
P.S. centre-pinch FTW!