@Anonymous Wow, even in my heyday of apping and car dealerships running me into the ground i only hit 105 combined across all three.. My hats off to you sir 
@AverageJoesCredit Yes, we have a INQ champion in our midst
I had a secured that would never grow more than 200 at a time to 600 total and stopped there, so i just combined them a few months ago. Honestly if it doesnt grow in the next 90 days even with good usage, it's most likely bucketed and you might as well just combine it unless you need it for AAoA padding.