If there are ANY benefits at all from switching, then that benefit can be enjoyed every year forever, dwarfing the one-time cost of switching no matter how big that cost is.
Give me $1000 and I'll give you (and your heirs, their heirs, etc) $0.01/year forever. Give me $10k and I'll sweeten the deal to $0.15/year. Give me $100k and go to $2/year.
What? You don't believe that any forever benefit justifies any one time cost?