Thanks for the input everyone. I really do appreciate it. Someday I should keep track of how long it takes me to make decisions like this. I tend to "research" to death and ask for opinions from everyone I can find. :P
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Mystic's layout of se-tenants is something I always complain about. If you're collecting used, your chance of having connected se-tenants is much lower, so it may not be an issue for you.
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...I don't regret the occasional inconsistency of "layout" of precut mounts.
Andy & Kirk, I agree that I don't think the layout would be a deal-breaker for me. There are some very nicely-done hacks that I can print on a page-by-page basis if the need arises.

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I think you will be very happy with the Mystic Heirloom set. Money aside, it is a nice album and will work out well with your collection.
Dan, I'm certain I'll be going with the Mystic Heirloom, it's really just a question of whether the price difference between regular and hingeless is worth the time and effort I would save.
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Why pay the premium for someone else to stick the mounts in, possibly without the same regard for neatness and presentation you might have.
Terry, I would be paying the premium so that I wouldn't have to take the time to purchase and/or cut and place the mounts - or, more realistically in my case, to mess with hinges. (I'm very
lazy busy, remember?

) And I've read just about everything I could find on this forum about the Mystic hingeless, and it sounds like the clear mounts are well placed and decent enough quality.