Thank you all for the help today. This area is a bit grey. Now I have to find that post that talks about home state vs. bank's state. But I am not being sued by bank, but a JDB. This is a start.
Sometimes JDB's don't get all of the goodies the banks do. Often times they do.
SOL is complicated; judges often struggle with it.
For example, in my state, choice of law provisions in a credit card agreement are void as a matter of law. Making such a provision unenforceable. The only SOL that can be applied is this states.
In a majority of states, SOL is procedural, meaning the court in which you are sued applies its own SOL, irrespective of a choice of law provision.
Some states recognize choice of law provisions as substantive and apply the agreed upon state's SOL.
And there are other circumstances.