What I can tell you is that there are plenty on this board that are doing the program without a center. I'm not one of them. I need the accountablility of someone monitoring my progress that isn't me, if I'm only accountable to myself then I'm a lot more likley to cheat. If I know I'm paying someone to keep track for me, I'm a little more on top of things. I didn't have nearly as much to lose as you did, but with the eating habits I had before starting LAWL, I was a disaster waiting to happen.
Take the weekend to think over your options . . . it's not a tiny decision to make, but you as a person have to be happy with it.