Their policy changes including price increases, charging for every little thing as an "add-on", complicated GUI and the lack of fixes of known problems (posted by their "community" on a Facebook Group), and super slow ACH deposits (which take 10+ days!)

Subject To would likely add complications.  

In most cases, neither is warranted.Warning: I am not an attorney, and this can be a complicated topic.

It doesn't have to be complicated.

Complicated, but correct.  

If publishing is too complicated, then the work around will be even more cumbersome.

This is way too complicated for most people who want to invest without money.

In most cases, neither is warranted.Warning: I am not an attorney, and this can be a complicated topic.

They STR game can be very complicated in NE Florida due to zoning laws, imaginary lines between cities that are and are not incorporated and county rules.  

I opted for a more complicated approach which requires a developer and never ending modifications which I anticipated -- yet frustrating at times.