Wendy,
I'm basically in the 'arranger' category too and for me, new versions of BIAB are always about the new Realtracks, Realdrums and MIDI Supertracks... everything else is a bonus. I could never afford to play the musicians who do all these recordings that BIAB creates.
By the way, I'm not sure that you'll need to spend $227. If you have BIAB 2019 UltraPak or UltraPak+, the PlusPAK for $99 will give you all the new content to update 2019 UltraPak to 2020 UltraPak.
The $49 Pak, XTRA Styles* PAK ($29), LoopsPak ($19) stand outside this as separate purchases.
So all up, if you have UltraPak 2019, you can get everything going for $196.
Regards,
Noel