Digital BW, The Print

I mostly use Lightroom (V. 4.4, I think), but never upgraded from PS7 to 
any of the CS versions.  I do have a reasonably current version of 
Elements, which does what I need when it comes to pixel level work.

 From what I see in this thread and online, if I wanted to get on the 
Cloud system for Lightroom and PS only (I don't need any of the other 
Creative Suite functions) it looks like I would have to subscribe to 
each of them separately, which I think would be $40/month.  Does that 
sound right?

Of course, I think I could keep my standalone LR and just subscribe to 
PS for $20, but there ARE some neat-sounding features in LR5, so it's at 
least a bit of a temptation.

Thanks if anyone who has been thinking about this longer than I can confirm.

Cheers
Kip