Before I started this thread, I read as many threads on here about this subject, and I also read the thread "Tips to an SO's acceptance" to be as informed as possible.
I would have to say at this point I am 80 to 90% wanting to do full disclosure, but the remaining is hesitant for fear of her reaction or things going horribly sideways. I regret not telling her from the beginning, as it would have made things way easier.
