jokingly i want to say i would take the 70k and go on a trip :P
But seriously, i would say keep trying new meds until you have exhausted all options, then think about ETC or residential treatment. I dont know about you...but i would feel really pressured....like..."if this doesn't work will my family hold it against me". I mean that facility will be there..right...so...you could keep trying meds..and then use it as a last resort...i would think..thats what i would do. I dont know whats right for you..but...thats what i would do.