Nothing fancy just bare minimum with the cheapest material.

[Your two scenarios want us to assume a theoretical (read: fanciful, unicorn) same interest rate]...

They mislead their potential clients by masking the fine print with fancy marketing with awesome photos of money stacks,videos etc.  

I don't need to have fancy cars and a new boat every year, I just want to live comfortably without having to maintain a 9 to 5 gig. 

Not only do most investors spend too much time sitting behind a computer polishing off their fancy excel spreadsheets, they rarely walk properties.

It doesn't have to be fancy, but it’ll help you keep everything organized, especially if you need to provide more detailed information down the line.

Towels get used on the shoes, fancy cutlery goes missing, no one wipes their feet, wine stains...

Doesn't have to be anything fancy, basics that they will need.

I am always on guard in the city , I drive a 2004 Ford truck when I do have to go in , and I dress like I dont have a dime to my name .

I'd also send them the manual for whatever unit you have which should contain the recommended operating temperatures (and min and max).Edited to add it also depends if they are normally hot or cold and how they are dressed.