I wasn't confident enough to say the above from EcuriePeril and Brommers but this was pretty much my understanding and why I went for the cheaper, hosted service from Farewill. I think it's a fairly comprehensive offering, even if your situation is a bit complicated, as you discussed.
Thanks both. I'm always immediately put on guard when a product is immediately "up sold" and it sounds like I was right to be, once again.