Choosing between MS Windows Home or Pro versions. I don't do anything particularly 'out of the box' so I presume the Home version is perfectly adequate? Pricing is considerably different Home $169, Pro $279. Best approach? Microsoft Office 2019 Home and Business Retail- $289 Microsoft Office 365 - $89 / per annum The subscription model (although I generally hate subscription models) would be cheaper until just after the three year mark. I think most people for general / home /small business use probably don't bother upgrading for two cycles - eg a lot of people would be upgrading from Office 2013 around now. So call that 6 years - in which case the one off purchase is a cheaper overall deal. But then again you don't get any advantages (if indeed there are any) of the interim upgrades. Thoughts?