TurboTax Premier 2025 Desktop vs. Online Version

I am trying to activate the Turbotax 2025 Desktop version, and it automatically offers $0 to upgrade to online version, can you please clarify the pro and cons of Online version? Especially please clarify my below Qs?

 

Question 1: Online version allows only 1Federal & 1 State Filings, where as With desktop download software you can prepare and e-file up to five federal returns with their associated state returns.   If you need to file more than five returns you can file the others by mail.   The five federal e-file limit is an IRS limit.

 

Question 2: Once you have chosen the Online version, you cannot go back to Desktop version?

 

Question 3: It says the following, does it mean if you upgrade to Online version, you lose your $10 Retail Club Credit and TurboTax Advantage Benefits such as Audit Defense?

*Includes one federal and state return. Additional fees apply for more returns, upgrades, and add-ons. File by April 16, 2026.$10 Retail Club credit and TurboTax Advantage benefits such as Audit Defense, do not transfer to TurboTax Online"