Hi Peter,
the short answer is- yes, stop kicking yourself! Like everyone else on here , you made your decision based on the best information you had at the time, and on a subjective assessment of the risks you were , and were not, prepared to take. There is no Sliding Doors option, whereby different choices get to be played out in parallel. So you will never know if there was a ' better ' course , and there is no upside to you now in wondering if there was.
If you have ferreted around on this site and others, you will see that there is no 'best' solution, and no 'wrong' one. They all offer shades of advantage and disadvantage. Having made a choice, the one thing you can control now is your attitude to it. Be at peace with your decision.