Since I am writing a Saga, Novel Factory multi novel helps as I can make the locations and Characters only 1 time, and then if I need a character that is in let's say book 1 in book 4 and can just embed that stuff from a previous novel instead of having to fill out the worksheets multiple times. So having the ability to do multiple novels for only $20 a month saves me loads of time. But you can also do one novel, which is how I started out. I think it only cost me $10. As for holding on to your work, if you lapse I don't know if they will hold it for two years but mine is the Online version though they do have it also in a downloadable version as Scrivener does.