FYI, Adobe has stated explicitly that should you purchase the subscription (it's not a "payment plan") and then stop, you would retain the use of Lightroom's catalog/library and print functions and lose only the edit and publishing functions. They've also said they have no intention of making LR a web-only product, so when LR6 comes out it should be available standalone. Given the likelihood of that happening soon, no matter how I crunch the math it would seem that the CC deal is better, particularly if you have no investment in either LR or Photoshop.
Just my 2 cents.