It's not over rated at all. Hits you below the belt mostly, and no matter how lightly you try to take it - it's always nerve-wrenchingly hard hitting. You go through your life mostly thinking you are heading towards the right direction, rarely admitting the fact that you are far away from your goals. Then suddenly when you are pushed to the wall, you are forced to turn and face the facts. I've seen it around me, and I have seen people deal with it - some with dignity and grace, some with no grace at all. But the fact remains, if you don't take this turn with a slightly intelligent bent of mind - life WILL screw you over (and NO - you won't get another chance this time). So, be brave & cautious at the same time, be flexible and step out of your comfort zone. And most important - have faith.