I think a lot of us here have gone through issues with flooding especially when we were setting it up, I've never had one for a while now though, so I'd say avoiding this accident comes with experience. You and your hubby are at least interested in it, this is just me but I'd say the risk is worth the reward.
And yeah ATO is probably one of those good investment that will save you a lot of headaches like the flooding that you had.
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