I am going to stick with CS6. The only problem is if I live long enough to get a new camera, Adobe Camera Raw may not support it and without a subscription ...

I have started using Topaz Software's plugins and they work with Lightroom and also have a stand-alone module. Their noise software (DeNoise) is excellent. Take a look at their site and their webinars.

If I need layers then CS6 will work fine or a I may look at Elements.

I can't see paying Adobe 20 bucks month.