IMHO and experience, Thermal scopes produce a generated reticle. Its not a real physical entity. You can bring it in to zero pretty accurately, but the problem arises when you turn it off. Its a lottery whether or not the reticle comes back in the same place, and I lost faith in them, missing quite considerably a number of times after turning it back on.
Currently Im thinking of buying a Pulsar XG50 add on, which obviously uses the scope reticle, not a generated one. This seemed like the answer to all my prayers, but I saw a vid on YouTube yesterday where a guy did a test. He shot with a day scope, then clipped the XG50 to it and shot again. At 50 yards he was 2" low and 1" to one side. That is a considerable miss over 150 yards.
To tell you the truth you cant believe the hype put out by the company marketing teams, its just bollocks. They'd say anything to sell the unit. Your doing the right thing, asking around. I wish I could give you a definitive answer.