Good stuff my friend. I voted that you use stp,ap,strictpay and LR as they are the most popular. Payout on expiry is always best unless you are doing a longer term lower ROA the the 15th and the 30 is a good way to do it.
Looks like you have some good plans. Keep us posted on the progress of it...How long have you been considering this? I seem to recall seeing you start a thread like this a while back at asa didnt you?