It all comes down to personal choices. For us it was simple choosing the CR-1. With six children between us we could not afford for him not to be employed for an indefinete amount of time. On top of this not having AP for upwards of a year, he would not be able to travel back to see his children if something were to happen to them. Sure we would have loved to have been together faster, but the CR-1 was just a much better option for us. Financially it is still a difficult journey, but likely much easier than trying to live off of one income.
Don't really feel I am being penalized, because we chose this route. What does bother me is seeing someone going through the same visa, and there is no rhyme or reason to when one gets an interview. Have seen other London petitioners who's case left NVC, a week or two following ours with interview dates two weeks prior to ours. Not jealous or angry with these folks, but rather confused as to how things are handled within the system itself. No method to the madness.

Most places fill in the next open appointment slot, where as I feel we were in some form of a lottery to get our appointment. Penalized for being married, nah, the whole system makes no sense sometimes and no one really has any advantages in this game.