After some extra research I found out I can get and set the Stream of the source and destination files (even if the destination file does not exist yet) directly on Azure without downloading the file. The resulting code is then something like

using (var sourceStream = sourceBlob.OpenRead())
{
    var destinationContainer = BlobClient.GetContainerReference(projectKey);
    var destinationBlob = destinationContainer.GetBlockBlobReference(xodName);
    using (var destinationStream = destinationBlob.OpenWrite())
    {
        var pdfDoc = new PDFDoc(sourceStream);
        pdftron.PDF.Convert.ToXod(pdfDoc);
        pdfDoc.Save(destinationStream, pdftron.SDF.SDFDoc.SaveOptions.e_linearized);
    });
});


PDFNet SDK Convert files on Azure storage
First time home buyer here.

So I've been reading about points and how an up-front payment can save you money in the long term.  At first, the numbers seem pretty convincing.  For example, pay $5000 upfront for a whopping saving of $20,000 over 30 years.  

... But if you took that $5000 and invested it, wouldn't you get a lot more than that over 30 years, even at a modest return rate of 6-7%?  Suddenly points seem worthless.

Is my math wrong?  Is there some other advantage regarding points that I'm missing?
