In case it matters, I answered for my primary account, queenbarwench. This is a free account that I use to log in from work, and is unlikely to be upgraded.

I have a paid account both because I like the features and I want to support the institution.

A feature that I heard about ages ago (and may just be speculation rather than a plan - I've not checked Bugzilla) was to have a master account with linked subsidiary accounts. I would love to know if a) this is a real plan and not just in my head and b) if there is a timescale attached.