As an example of the above, My DH and I currently have 70k in student loans. With our incomes, we could have this completely gone within a year, but we get better return on our money if we take a more balanced approach.
But after running the numbers, we max all our tax advantaged accounts (401k, IRA, HSA) BEFORE paying our loans. This means a longer timeframe of having debt, but in the long run we are further ahead. If we instead focused solely on debt, we would double our payments but have neglected our assets over the term of the loan.
Now, SLs are a bit of a different beast than CC debt. But it sounds like you've handled the behavior that got you into the problem in the first place, AND you are confident you can roll the sum onto 0% balance transfer cards--effectively making it a 0% interest debt. If you are confident you can continue that for a few extra months, with that return, you are better off getting time in the market.
It is a crude comparison, but you are using your dollars toward a 0% return and neglecting the potential 5-7% return.
Now, if you can't get your balance on a 0% card, this advice is no longer applicable, of course. 10% trumps 7%.