Do I need to pay this off??

[MicroBob]

there have been many posts throughout this thread explaining the logic behind checking through on the flop.

Basically, you want to be taking a free card (and not afraid of 'giving' one). There has actually been some reasonable depth describing why you would want to do this.

I don't see how one could say that everybody else in this whole thread is just saying 'because we say so' regarding the flop-check because there has been much said to back up that logic.