Happy Thanksgiving everyone, and thank you again for your excellent advice and guidance.
It is clear to me that "Home & Business" desktop version is the way to go. With regards to securing the files, I think a cloud backup is the way to go. Since this is sensitive private information, I'll need to consider how these save files are protected and encrypted, but using a cloud solution is clearly the way to go for backups.
Yes, I'm used to e-filing my Federal returns, and mailing in my relatively simple State returns (Utah makes it easy), so that is not an issue. From the product matrix, it appears that "Home & Business", includes a single State.
Lord help me if I have to do more than one return, but I suppose if in doubt, you could simply answer all the questions differently and see what the results are, and then compare the output. Fortunately, I can compare the results to what my professional accountant produced for me over the last few years and see what, if anything, is missing.
One issue I can't quite envision is the SEP contribution bit. I typically shortchange the maximum allowable contribution at the end of the year, and then I'd have my accountant tell me what the exact additional allowable amount is (an optimization exercise). This prevents me from going through the "withdrawal" process if I overcontribute. Whereas I'm guessing Turbotax will simply ask me what I contributed, and there won't be any sort of optimization, but I could be wrong.
