Well, in my EXPERT opinion...lol...I think that the Free version is good enough if you feel like you have a handle on things. But if you want to have all the bells and whistles, why not consider buying software that you only have to purchase once instead of monthly.
The TCOYF software seems pretty decent and I think it's only like $30.00 or something like that. you should maybe check it out.
www.ovusoft.com
Oh and if you by the book it comes with a free trial of the software on a CD in the back cover