Bill
There have been threads on this - do a search of this site on term 'Basic' and you will pick up others coments.
I am currently a Basic user - used the higher priced versions for several years and have found Basic fits my needs.
It handles checking, savings, credit card, mortgage, brokerage, IRA, and my 401k accounts. I also manage rental properties. Basic has full downloading capability for banking, stock quotes and brokerage accounts [for FI's that offer]. Basic essentially handles all core househoulf finance issues. A high priority of mine is to have good year-end tax info and am very satisfied with it.
What you get with Dlx & Prem versions are add-ons; Tax Planner, Retirement Planner, Savings Goals are examples. I did not use these features.
I believe the Dlx offers some sort of enhanced 401k set-up/managing options - not really familiar with it but follow threads from other users queries. In Basic, the 401k is setup as a tax-deferred investment account [like an IRA] and works just fine for me.
Use dicretion in reading the Intuit adds - they hype the higher priced versions - most of the price difference has got to be margin.
Do the search as I suggested and get others comments.
If you see a need for some of the add-ons [bells & whistles] - then go for it!