Novels are not cars to be assembled. You can't write them if the muse isn't with you, and the muse doesn't always come when you call her. Yet, if you want to make a living as a writer, you must find a way to go to the muse if she won't come to you.
I'd heard all sorts of horror stories about writers giving away the bulk of their royalties to publishers that gobbled up profits in huge percentages. We indie authors keep most of our sales. Was I doing the right thing, saying yes to a publisher when I'd already done the tough work of going indie?