Very happy to be able to help out! I'd gotten this (good) question a lot and figured it was worth spelling out, especially with the Steem Dollar being really high lately. Once it's back about a dollar it wont matter, and if it goes low (under a dollar) than the 100% SP option would actually be worth more.
Oh yea...this community blows others away! :D
@sykochica
You actually explained it quite well and it doesn't seem so complicated any more so thanks again! :)