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

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

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.

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