I feel a little beat up after that last post. But I appreciate the effort you put in to your detailed reply.
But I do stand corrected on my incorrect price comparison (it is not $99/yr) as pointed out, its $69/yr. However, I still feel that buying Office 2013 is the correct decision for me. I don't need more than one copy of Office, I don't use Skype, I don't have a Tablet, and I don't care about the on-line storage. Lastly I have Office 2010 on one computer now which has all of the programs (however I really don't use PP, Publisher or Access).
Also, I was not claiming that an Internet connection was needed to run either program nor was I stating that either program would not be fully installed. I was only trying to clarify/understand the "Click and Run" comment made (as I though perhaps the person responding was thinking Office 2013 was not a fully installed program).