It all comes down to making a list of possible future costs and a list of pros and cons for each decision..then pray and go with what feels best for you.

other ?? to think about
Will you be able to work possibly in the future
will you have some sort of pvt med ins
Other options for future consideration
SSDI? SSI? - we have a forum for these too.

why does atty say you would get less $
atty not prepared , not a solid case of evidence & paper trail

If not prepared or more info & reports might be needed I think atty can ask for a reschedule /postponement.

Are you set at MMI - max med improvement - stable - more or less?

I have a question about the shoulders - what was done for them and I wonder what other neck sx you are having?
Anything with your arms/hands?