It seems like maybe it's too early to tell how much the two versions will be differentiated - I'm just thinking about TWD and the late addition of walker bombs to the mix. That Upper PF could really be transformed as the code matures, or it could end up kind of a dud. Hard to know at this point! If you're not short on cash, you can probably count on the premium maintaining most of that extra value over time, so it doesn't seem like a huge risk either way.