[Sylvanfan]

I'm stupidly conservative so I would likely default to paying off my need for a place to live.

It depends a bit as to how long is left on your amortization. Since a mortgage kicks you in the ball's up front with interest getting paid first. Getting the principal amount down to shorten your amortization to period has a lot of value. If you're down to10 years less and a lump sum after 5 to cut it in half..invest and you'll build more overall value. If you have 20 years left, I'd lean towards paying down the mortgage.