Another difference I can see that might help manipulate the logic is that there will never be a checkoutShippingMethods fieldset or even a checkoutShippingTable at the confirmation page when I want to disable the Pay by Instalments.
When you're paying an instalment, the product is virtual, so the shipping table is not on the page.
The INSTALMENT prodcut is the only product on the site where this will ever happen.


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