I couldn't say what I was thinking better than kholmes. Just do a lesson a month and set a long term success goal rather than short term. The work you do is important but creating something for your future is also. W.A. let's you set your own pace. All the best

Well, what ever you decide just remember that this isn't a race first of all, its a work at your own pace. But we will still be here if you want to come in and get more assistance, it is a wonderful community and I am sure we would all love to see you create something special just for you. That is the best feeling of all!! :))

Only you can make the decision. Remaining a free member is an option if you can deal with the communication restrictions.
If time is a factor, build your siterubix domain and when it is ready, then upgrade and transfer to a .com site.