Unpopular opinion about billing & accounts

Following this thread closely. We are about to face the exact same decision and the replies here are gold.

This matches my experience exactly. The hard part is staying consistent once the initial novelty wears off.

One caveat for larger communities: keep an eye on the indexes. At a few thousand rows the difference is night and day.

We ran into the same situation last quarter. What worked for us was starting small and only adding complexity when a real need showed up.