I will probably go with the Crysta option for several reasons.

1. Considering the war stories I heard about Click and Buy I am suprised that they have not been investigated yet.

2. Secondly, and more important to me, I am retired and living on a fixed income which I receive the 1st of every month. I pay all my recurring monthly bills in the first week of the month. This gives me a clear picture of what I have left to work with. With SE going to a 30 day billing cycle instead of monthly the only way I can do this is to purchase the Crysta I need on the 1st and let the billing happen at the end of the month.

Purchased Crysta through PayPal for FFXIV without the slightes problem.