Question for those who were/still are in Safeguard option

When I wanted to get money out to reposition into RS what I did, knowing cashing in works on a Last in first out (LIFO) basis, I looked at where I could release the maximum amount for minimal SG cover loss. I did have to let some more recent SG pickups to go but largely speaking got quite a bit of money out whilst losing very little SG covered loans.

Now we have a couple of loans that are still in jeopardy in Invest but mostly we are left with SG covered loans, ISA has quite a bit too as we took part in the transfer from Invest to ISA in the early part of 2018, I think!.

The loan SG covered loans closing rate does seem to be up and down but that's probably just normal. I sometimes check the SG closures to see if they are valid closures or valid covers but since the issues of 18-24 months ago where Zopa was mistakenly selling out good SG loans has not happened recently to my knowledge. (My loan payments checking system is getting slower as it has 100's of thousands of statement records to trawl through and Excel 2007 is baulking at the seams on my desktop even when its set to use 8 threads - it would take even longer to run on our 4 thread laptop.  ) 

I stopped re-investing when Zopa closed the safeguarded accounts as I either want pooled defaults/shared risk or to have the option to pick my loans. This was the same decision I made with FC when they went black-box and then when they stopped us being able to sell individual loans I sold out everything there.

I felt the Safeguarded loans to be fairly safe so I let my mid 5 figure Zopa sum slowly pay back, only a few £k of profit left to go and should be all out well before the EU transition period expires.

Never liked the new Zopa accounts and glad I never invested in them.

I was running mine down for 3yrs but by Sept was fed up of having to keep logging in to withdraw smaller & smaller amounts (I was down to 1700 by then from about 15k) so I hit sell on the rest to find I ended up with nearly £50 in stuck loans that had already triggered safeguard, most of which have now been fully paid off leaving just two totalling less than £10. Yesterday's quarterly( I don't recall seeing one before) safeguard statement, trumpeting how much SG has compensated me for but warning me it's not guaranteed makes me wonder if things are starting to look a bit dicey for the remaining safeguarded loans. Or it could be that the FCA has been having words.
Either way I'm glad I didn't keep waiting for the final repayments, hopefully my remaining loans will pay out fully before any SG issues, but if not, I can live with the loss!

I've also stopped reinvesting on the day of safeguard being abolished. The rates of new products are too low for the risk of consumer lending.

I kept reinvesting when FC introduced "compulsory" black box.  I did it for more than 1 year, which was a mistake.  If I sold out then, I would've ended up with some reasonable profit.  However, my FC adventure outcome resulted in no loss of capital (even with a small profit), if I kept on reinvesting for much longer I'd certainly loose some money.