Gonna give you a thumbs up for this question. I hope you came here after reading the article I wrote on how we can provide for our parents. (Just hoping, it's okay if you didn't. You can still check it out haha) I would ask my parents which ward would they be comfortable with and go with it. If you are able to afford private level of IP for your parents for the coming years, why not? If you are wondering what are the benefits of holding onto a private ISP instead of downgrading, I actually went through it here. For my case, if I have to pick either private or Class A public ISP, I would go for the latter - class A public ISP. Most importantly, we would like to reduce the expenses so I feel adding on an ISP Rider would be essential.