Update to previous post:  ExportMyBooks is GREAT.  $200 to get current year and last, hated paying for it, but it did the job easily and completely.

My guess is if you have large data files (as in my case here), you'll have problems with the migration tool.  I converted a client with much smaller data files and no c.card transactions a couple months ago using the migration tool and it worked fine.

If anyone out there is thinking about converting TO QBO from QBD, just upload the last 2 years and no more. You will save yourself a lot of headache all around.