Yep we just finished our refi and folded the (minimal) fees into the loan. Knocked 8 years off the mortgage, lowered the monthly cost by about $100 and saved us a metric shitload in interest. We will now own the house before I retire start my second career.
I'm not sure what aggressive means since none of my phones have ever attacked me. Compared to the MS-1 the HD-25s have less prominent treble and more mid bass energy giving them a less bright (darker) presentation and a better treble/midrange balance. Neither are bass monsters and are both somewhat light in deeper bass. I do use them with a 650 cable not the stock steel POS.
I would seriously consider the source if that source thought that the HE-60 sounded much like anything else. Just sayin' ...
Serious: IMO the HD-25s do not sound much like the MS-1 at all.