Hi JamesB,
That is a question which can only you answer. Affinity and and the bookkeeping accounts are different with different features. Have a look here: https://community.quickfile.co.uk/c/knowledgebase/affinity and read through the knowledge base.
In your case: The bookkeeping accounts for the 3 mentioned accounts are free of charge - you have to pay for affinity, click: herehttps://www.quickfile.co.uk/home/affinitypricing . But in affinity you can access all 3 accounts with 1 login.
For more info look here: QuickFile Affinity overview