Hey Scott, long time no see. I spent some time studying the old dude today, and the value/liability of it. The roof and skylights on the upper patio are leaking from falling limbs. The lower patio is a trip hazard in 3-4 places. The patio and gutters are constantly covered, with sticks, flowers, petals, seed balls, and leaves. It literally drops stuff from June thru December solid.
On the other hand..... when it has leaves on, my patio is a shady canopy. I know the tree has value, I just have to figure out if the value is more than the liability to ME. I also know that if I was bidding this tree for removal, it would be close to 2K, so I'm lucky that I can get it done for just the cost of my men and equipment for a day.
I am discovering that this decision is a lot easier when it is someone else's tree. You can look at it objectively and help them make a decision based on the risk factors and their tolerance. I would like to see it gone, but I can't get past my attachment to it. kinda weird.