Hi Erick,
more than likely you I'm sorry to say.
In an article I read recently, it explained that because of the extra margin that a bank has to include in the percentage rate of it's fixed loans, and the way that over time variable rates fluctuated - perhaps quite dramatically - the banks win over 80% of the time and the poor punters win only about 15 to 17% of the time.
So the message was clear, you'll likely be much better off by going with the variable rate. That said, I know of more than one person who, like yourself Erick, had a great big smile throught the better times. Perhaps you'll be one of the 15 to 17%
Cheers,