Wow mate appreciate the in depth answer as a finance student!
you should really blog post this somewhere, it would help a lot of people my age as I think even without a finance background it's relatively easy to understand.
I'm still wavering between the 19%-32.5% bracket as I'm still studying and haven't made any massive capital gains on some spec stocks, so it sounds like the DRP (which is still a great option) is the way to go now. hopefully in the near future I can look at the DSSP if I have to move up a bracket anytime soon (one can dream with the current wage growth rate, haha)
And yes! big fan of the FIRE concept! Another dream of mine of course
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