Is the Cloud right for an individual who uses only PS?

There is a lot of buzz with speculation that Adobe is moving toward forcing all users to use the Creative Cloud subscription approach. As an individual free lancer with no corporate support and no needs except for PS and LR, the pricing of Creative Cloud today appears prohibitive for me. I have tried to locate appropriate links on the Adobe site but am led only to Chat or Telephone or here. Seems this is a question for Adobe personnel but I see no other way to present the question than the forum.
I am looking at my experience with CS5 as an example. I have upgraded to the newest major versions as soon as possible. So, if you look at my record in Adobe's database, you'll confirm I installed CS5 on 7/11/2010. That site also shows I purchased CS6 on 5/14/2012. That means I used CS5 for a hair over 22 mos. If I was paying the "buy it now" price of $29 per month, I would have paid $638 for the upgrade to CS5 for which I paid $199.
If future major versions will come at a pace of one every seven months, paying $29 per month would break even with the single license upgrade purchase cost. Have not seen any buzz suggesting such a torrential product cycle is under consideration.
Is this a legitimate assessment?
Should I be expecting an increase of over 300% if I am forced into the Cloud? Until now, I have purchased the upgrades eagerly for the new capabilities they have brought.
I have also search for other threads in the discussion that might raise this question without success.
I recognize Creative Cloud may not yet be fully defined. My primary purpose here is to register the question and hope Adobe is giving consideration to users like me.
Doug

No. It is not right or you.
Nor do you need the latest versions. Photoshop is thankfully backward compatible, and most new functions do not alter the core capabilities that much.

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