Is this just a price thing, then? Or, perhaps, something more? If Basecamp/Freskbooks were $25/year, would you rather pay for the entire year up front, or woul

Is this just a price thing, then? Or, perhaps, something more? If Basecamp/Freskbooks were $25/year, would you rather pay for the entire year up front, or would you continue to pay monthly? If you'd pay for the entire year up front, at what price do you consider it to be too much? Where's the crossover point for you?