I still do not understand the value of the $149 download only upgrade over the $99 Plus Pak upgrade. If it's download only, why download what you already have for additional cost when you can download the upgrade only?
I spoke to support about this yesterday, there is a slight difference - the Pluspak is an incremental update and not an upgrade.
If I understood correctly, in simple terms, the upgrade is a full product while the update is a separate installation and can only update from the previous year.
What this means in practice is that if you were in need of a fresh install, eg., after a computer crash or whatever, then the full upgrade will be a single straightforward install. If, however, you have purchased the Pluspak for the past few years then you'll have to first install your last full purchase / upgrade and then incrementally install each of the Pluspaks to bring it back up to date. No real biggie, just messier, but you don't lose out on anything.
All assuming I understood correctly, somebody correct me if I'm wrong.