Yes to both of the above. Like many, I've done my share of playing in toilets to animals who hated me because every penny counted. Now I'm retired and reasonably comfortable and don't have to do it, I don't. I won't play for nowt ("It's for charity", etc) on principle, but as long as I cover my expenses plus a couple of beers and the experience is enjoyable, I'm happy. I appreciate I'm fortunate, but I did do my time/pay my dues back in the day, so I guess I earned it.