@Anonymous_
Of course you can always use the lower version as all the versions can handle all the same forms. Again when I was a TT expert I had access to all the different versions and was able to work in all of them ... believe me they have the same innards ... the only difference is in the interview screens ... what is normally hidden in blue "learn more" links are instead several extra pages in the interview. I found the H&B version extremely clumsy and onerous but for the DIY uneducated user (in tax law) needed and helpful. I usually tell folks to start cheep and upgrade only if they feel the need to do so.
Now there are a few items that TT doesn't handle in the interview that require an override in the forms mode but unless you are instructed by TT personnel and they have a note of this instruction in your account file the accuracy guarantee is voided. A DIY program doesn't fit everyone and never will ... using a DIY program comes with it's own risks and rewards ... the user assumes the responsibility when they DIY.
