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Office 2013 licences for single users

I cannot get my head around the plethora of new Office licences.

I am trying to decipher what a one-person business should be buying: he has one desktop PC and one laptop PC.  Until last month he'd have bought the Office 2010 Home & Business retail licence for GBP180 (not product key card which would have been GBP160), and installed it onto both PCs.

Now Office 2013 Home & Business sells for GBP219 but allows installation onto only one PC.

I don't care about cloud services: we need actual programs installed onto a physical PC: it needs to run with addins to accounting software that is installed on his PC, and needs Outlook to continue collecting his mail via POP3.

Office 365 Home Premium would allow installation to five PCs and I even just phoned Microsoft after looking at their comparison page here - it looks like that would suffice, but when you go to buy it for GBP79.99 per year, the next page says "non-commercial use".

The Microsoft customer services advisor didn't seem to know what he was talking about when he told me that it would be OK to use: I don't believe him.

How can they make it so complicated?  Surely we are not looking at going from GBP180 to GBP440 for someone who declares himself a commercial user, but just GBP80/yr for someone in an identical situation but pretends not to be a commercial user to get the 'Home Premium' licence?  There seems to be no business version of the GBP80/yr Home licence.
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n2fc
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The license you were shown was for HOME version... Not sure about pricing for UK, but here in US, the BUSINESS version is priced "per seat per month"... See:
http://www.microsoft.com/en-us/office365/compare-plans.aspx

(Plan E3) Basically, $20 per user per month... Each user can install on up to 5 devices!
(Plan P1) Basically, $6 per user per month... NOT desktop installable... max 50 users... web based ONLY (Small business offering)
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ASKER

My head just caves in: E3 includes Office 2010 for desktop installation, not Office 2013.

Microsoft's online chat agents confirm what the people on the phone said, so we're going with that:

You are now chatting with 'Lalish P'.    
Lalish P: Hi
Lalish P: Thank you for contacting the Microsoft Cloud Chat. In order to get you the right help, please indicate whether you are a business user, home user, student or a Microsoft partner
Daniel: A business user
Lalish P: what are the requirements you are looking for ?
Daniel: As an accountant, I have a desktop and laptop running Windows XP and Office 2003. Were I to have bought a new desktop and laptop last month, I'd have bought Office 2010 Home & Business as a retail licence and installed the same software onto both of my PCs
Daniel: Now I'm looking at Office 2013 Home & Business and the only licence I see is £30 more than the H&B2010 but allows installation only to one PC.
Daniel: I see Office 365 Home Premium for £80/yr but it says "non-commercial use". What am I supposed to do?
Daniel: I could've paid £180 for two PCs, now it is either £440, or lie that I use it commercially and get it for £80/yr? I don't want to lie, but the price difference is huge
Lalish P: how many users you are looking for ?
Daniel: One accountant, he has a laptop and a desktop
Lalish P: do you require exchange online ?
Daniel: No, using POP3 to download email. Not really worried about any online services - Excel must run locally because there are addins to accounting programs installed on the PC that wouldn't work with online apps
Lalish P: http://office.microsoft.com/en-gb/ 
Lalish P: the price listing and the Office products
Daniel: That's the site I found you on
Lalish P: the best would be if you opt for the home-premuin
Daniel: Even with "non-commercial use" stated?
Lalish P: I'm sorry for the delay. I'll be right with you.
Lalish P: if for one user
Lalish P: it should be able to meet your requirements
Daniel: Thank you
Lalish P: have a nice day

I'm actually trying to understand the different options and I can't do it - they really need to sort themselves out because they don't seem to be able to do it either!
Small Business Pricing Details will be revealed February 27th but early indications are $149US/year/person for SMB's ... Instead of the 5 devices for the Home version
http://winsupersite.com/office-2013/office-365-home-premium-vs-office-2013-which-makes-more-sense-you
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n2fc
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