Overriding templates in your theme

For what it is worth, the same approach works with the PMPro adapter — the membership side is identical from here.

Great point. I had not considered the angle you raised in the second paragraph — it reframes the whole thing for me.

Solid breakdown. The only thing I would add is to back up before making the change — better safe than sorry.

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