What has worked for you in billing & accounts?

This matches my experience exactly. The hard part is staying consistent once the initial novelty wears off.

We ran into the same situation last quarter. What worked for us was starting small and only adding complexity when a real need showed up.

Strong agree. Good defaults beat a wall of toggles every single time.

Solid breakdown. The only thing I would add is to back up before making the change — better safe than sorry.

Adding a small note: the same idea applies on mobile, just with a bit more attention to tap targets.

Solid breakdown. The only thing I would add is to back up before making the change — better safe than sorry.