I regret filing, but I'm a Ch 13er. I only regret it because of the 5 year commitment to someone that I didn't even date. 
lol I'm paying 100% of the submitted claims, and I'm tied to a trustee that I have to ask for permission to do anything with my credit. Credit impacts EVERYTHING, so I'm even stressed to think about applying for another job since that BK is on my record - not in the past but present since I still make payments. I totalled my car last year, and I essentially had to ask for permission. Around the time I filed, I met a man that I am now married to. Lots has happened in the 3 years since I filed, and having this chain around me limits my ability to roll with the punches. Just under 2 years left! Unless a 7 is a possibility I caution against it.
The only benefit for me was that I was allowed to do it a little more stress free since I'm on an imposed time frame versus what the creditors want. However, if I could do it all over again I'm 80% sure I wouldn't do it again.
Wow! Thats exactly what I am looking for.. Thanks so much for your imput. If you dont mind me asking, what did you file 13 as opposed to 7? I dont even know tha tbasics. 
Awesome! thx
Good luck! I'll cross my fingers for a chapter 7 for you or at least a 3 year chapter 13 vs a 5 year one!