Which is the right subscription package for me / us?

I am currently a free connect user, having used Mindjet on Android for over a year. I use xMind extensively on the desktop. I am now interested in the desktop package but want to be able to do SOME collaboration. The options I would like to have are listed below. Could you please tell me which subscription I or my colleagues would need to have each feature, either individually for the feature, or to have all the features.

1) For my husband / business partner to use the package also
a) to just access and use on his android device
b) Web client
c) Desktop client.
In these cases he would need to access all maps or maps in specific projects.

2) For my/our clients to access a map (or small number) of maps
a) Read Only
b) Ability to Export to supported formats
c) Full Read/Write access

3) My project Tasks.
a) Create Tasks for myself AND husband, with ability for both to modify. (ie. collaborate on a project). Two individual Subscriptions ?? One Business Subscription??

4) Client Project tasks.
a) Create & send a task or just an email to someone with a free account??
b) Create / manage tasks with another member (cllient) with an individual subscription.
c) Create / manage tasks with another member (cllient) with an web only subscription.
d) Full team collaboration. (I see there is a business version but as this is twice the price of the individual, i) why is there still a per user price tag ii) What is the difference between business subscription for all and a single business subscription with a web subscription for each user.

Slightly off subject ..... Is there (or why isn't there) a business license account which allows all the collaboration etc. which gives access / sharing / collaboration with an individual account

I know this is a long question but I imagine that it may help others also.

Thanks in anticipation.