Regardless of which method you choose (Ultimate Play or Click and Buy) you will always end up with 5 Crysta left over every billing cycle. It takes almost 5 years to end up with enough to pay for one month's subscription. SE themselves do not sell Crysta. The way I read Camate's FAQ SE will still accept VbV and SC credit cards in certain regions. If that happens to be you, great. All you need to do is transfer your account(s). Anybody who does not have vBv or SC will be stuck using UP or CnB.