I just read a great line that perfectly describes Ramsey and his bunch - "Ramsey and his team give good financial advice to people who are bad with money and bad advice to those who are already good with money." - @Marxd

As for the best way to deal with mortgages, my conclusion (as you well know) is that it's best to take a 30-year fixed loan, pay the minimum required each month, and invest anything you'd have used to pay down principal faster.

That way, you let inflation eat away at the money you owe, you get a tax deduction, and you build up a just-in-case way to continue paying your mortgage payments if you lose your income temporarily.

Then, if you're really uncomfortable with having a debt, once your investments allow it, you can pay off the loan in full years early.