Well, 3.5 hours to go in session 119, so much for giving myself "plenty" of time before EOS of session 120! At least I'm assuming that it's EOS of session 120 rather than EOS of session 119. Yup, just checked my account and there's a Repayment Due Date of Dec 20 11am for 3897.11 DXG scheduled. (My time zone is UTC+10, plus 1 for daylight savings.) I should at least get to see what happens after an EOS before the big DXDebit Withdrawn drop.
Here's my account summary and what I am planning on doing ... sorry about the potentially dodgy formatting.

Number Of DXAccounts: 1
Total Available: 412.12 DXG
Total Incoming: 0.00 DXG
Total Pending: 0.00 DXG
Total Balance: 412.12 DXG
DXAccount Production Funds: 0.07 DXG
Portfolio Summary:
Number Of DXPortfolios: 1
Total Digot Value: 5,574.47 DXG (104 Digot Symbols. 20,164 Digots)
Total Reserve Balance: 577.58 DXG
DXDebit Allocated: 5,198.59 DXG
Total DXDebit Withdrawn: 3,897.11 DXG
Total DXDebit Available: 1,301.48 DXG
DXDebit Withdrawn Percentage: 69.91%
DXPortfolio Production Funds: 0.00 DXG
DXPortfolio Production Funds (on T3): 110.82 DXG
Digot Buy Value: 5,084.2750 DXG
EOS Credits Allocated: 103.3993 DXG
EOS Credits Pending: 79.2587 DXG
EOS Credits Available: 24.1407 DXG
SUB TOTAL (TOTAL RETURN): 5,677.8737 DXG
DXPORTFOLIO TOTAL PROFIT: 593.5987 DXG
DXPORTFOLIO PROFIT PERCENTAGE: 11.6752%
PENDING EARNINGS:
Total Pending EOS Price Increase: 375.886195 DXG
Total Pending EOS Credits: 79.258665 DXG
CURRENT DXDEBIT VALUES:
Total Digot Value Pending: 4,272.9936 DXG
(Minus) Total Pending EOS Price Increase: 375.8862 DXG
Current DXDebit Withdrawn: 3,897.1074 DXG
WITHDRAWALS AVAILABLE FOR REPAYMENT: Wed Dec 20th 2006 11:00 AM 3,897.11 DXG
Time Release Info
-----------------
. : Current Time-Release Balances : .
Production Funds: 0.07 DXG
Time Release Type 1: 0.00 DXG
Time Release Type 2: 9.66 DXG
Time Release Type 3: 402.39 DXG
. : Current Time-Release Balances (Pending) : .
Pending Time Release Type 1: 0.00 DXG
Pending Time Release Type 2: 0.00 DXG
Pending Time Release Type 3: 0.00 DXG
. : Current Time-Release Balances In DXPortfolios : .
Production Funds: 0.00 DXG
Production Funds (on Type 3): 110.82 DXG
Production Funds (on Type 3 Actual): 498.65 DXG
Time Release Type 1: 0.00 DXG
Time Release Type 2: 19.91 DXG
Time Release Type 3: 1,748.33 DXG
The Plan (or at least something like it):
1. Convert type 3 (which I seem to have a fair amount of) to type 2 time release. Transfer all Available Balance funds from time release categories 1 (zero anyway) and 2 to Reserve Balance.
2. Collect EOS Credits. Buy digots with everything in Reserve. I'm thinking that buying a spread of whatever I already have is probably the best. Or perhaps buy an even spread of my top 30 - 50 performing digots maybe.
Since I don't have any extra eCurrency funds to bring in at present (and of course now no time to get any extra before EOS 120) then I can't take advantage of the benefits of "premium free" digots which would have potentially been fairly nice if I had stopped procrastinating earlier.

(As they say ... "nothing happens if nothing happens!") I really must work on procrastinating less! (not just online either)
3. I'm thinking I should manually drop my DXDWithdrawn, and pick the digots myself, which of course will take a bit more effort than the autopick option. From what I've read I should choose to drop the lower performing digots, but make sure I leave at least 1 of each so I still have the option of buying them in the future, until my TDV suports more digot symbols. Does that sound sensible to those who are used to the current system?
Well, that's a longish post ... anything I missed? (I wouldn't be surprised!)
bb from Oz.