[Advanced Design]

So sorry to learn of your Mom's passing.

The rationalization would be what makes you happy and fits with your financial goals. The 55 will be really nice and if it works for a dd, that is icing on the cake. Maybe you could still build the 55 nice, then find a dd that fills the need and is in the budget. Might be better than stressing over the nice 55 getting door dinged in a parking lot.