So, I went CoSoPro.
I'm sure I have opened some Pandora's box of features I will bungle configuring initially but it's well worth a venti per month to have no ads.
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I am Pro just to support the site. Only pro feature I used with any regularity is the ability to DM. (Non-pro users can receive and reply to DMs, but not initiate them.)
@tyghebright Yup. I come from the days of "pay to play" monthly gaming fees. I have zero issues paying for a service that delivers.