It's hard to argue with a vaguely stated conclusion, but I'm going to try. Slightly. I disagree (again, slightly) with the "icing on the cake" metaphor. Done right and done well, taking a doctorate--even while in mid-career--can be transformative. It can help you define--or re-define--who you are, your professional identity. It can even happen twice. My first doctorate put rocket fuel in my career engine. The second became the basis for the practice I now have, and could not have if I had not done that work. This is another reason why I'm dubious about focusing on costs. Yes, doing a UCN doctorate through SMC is relatively cheap. But so is Wonder Bread. But is it any good? In fact, the Wonder Bread comparison fails because that is a straight transaction: money for bread. In the case of doing a doctorate, you also have to work off your hind end. Or, at least, you should. So, besides the money, is it worth all the effort of earning a doctorate to end up with one from one of these schemes? And do you really get a transformative experience? Or is it largely transactional instead? Our colleague John Bear used to say he'd pose this question to people: "If you could have either the education or the degree, or both, what would you chose? No one ever chose the education without the degree. His point: the credential matters in and of itself. My point: so does the opportunity to do something really important to and for yourself.