Don't worry Sue, I'm happy to have your input! Thanks by the way for the description of your workflow, very insightful.
I'm still wavering, but as usual I probably will end up going for the lower tier Bundle of Holding so I at least have CC3+, and perhaps I'll wait for some discounts or Black Friday before getting the Annuals. Got a few days left to decide, who knows what new insights the weekend will bring...