You obviously have no actual experience of RS v4 I do. Having online tutors and games to play with other learners etc is really useful and fun. The only reason why you'd MIT want to use software online etc is probably a cracked illegal copy
You can buy used versions from folks that no longer use them. I plan on doing this if conditions work out. Is it also true that the current version is only three months access and then you must purchase additional monthly access to participate in the online stuff? If that is true, it would still be cheaper to buy the used product and then purchase my online content.