WFM, you're being WAY to logical! Often folks live in the moment. They do not consider the ramifications of their decisions. How will this decision effect me 5 years/10 years from now????I guess it depends on if you have a mortgage goal of paying it off early or going the full term.
Running my own business I always felt like someone had a grip on me having the bank own my property. I worked hard and paid off the mortgage and own what I have. I good feeling I can tell you.
I did the same thing with my kubota 5 yr loan. Paid it early.
I agree with Jimmy, put it towards the principle and knock the loan down.
I agree with your choices and the freedom it allows. I also know about 97% disagree, or at least don't do it. Be Blessed by your choices.