For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

Paying off debt does not make you rich.You did not give enough information to assess whether adding a bath is the right choice, but let's assume you are correct.  

I started offering the choice between the two about 8 years ago, now everyone chooses a move in fee. 

Hopefully this is not some news to you, but sellers are no longer having to pay buyer agent commissions, now is a Choice, which might be confusing, but there is nothing to worry about. still, it doesn't change the fact that to maximize profit, it's wise for sellers to offer a buyer agent commission, attracting more qualified buyers to the listing. and for buyers, the main change is the need for a few extra forms and agreements before viewing properties. 

For a beginner, do you think this sort of setup is like building a huge fortress against an army of ants, Or is this something the client might like to have some choice about as a beginner.

A GOOD tenant has choices, you want to look at your value proposition to them.

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

You are exempt from the "source of income" protection though, which means you are allowed to deny an application just because they have a housing choice voucher, which would not be the case if you owned more than 4 units. 

And, if so, how are you counseling clients given the choice?

I am considering switching the property to six-month lease terms, so that I maintain the choice of whether to keep renewing...Full details of the bill here: https://leg.colorado.gov/bills/hb24-1098