If there is no such demand, you can buy it directly. If it is held within 1-3 years, the debt base is ok.
One-time purchase is not a big problem, but it is recommended to buy it in several times. If we catch up with the debt-based collapse like last year, the advantages of batch entry are far stronger than one-time purchase.
Choose type B or type C according to your situation, and see if there is no subscription fee and sales service fee.