Account Privaledges

I was setting up my UNA user account privileges; to limit the number of profiles and groups that a user can create in terms of Standard member status. And to only allow Premium members to create Business / Organization pages with a group for each page they create. My scheme is for a Standard user to create two profiles, one for personal use and the other for hobby or business use. The second profile can be used as a business page. However, I do not want Standard members to create groups or else only one group. I am not wanting a bunch of useless groups spamming up the place, anyone who wants a group thus requires Premium status.

I am not sure where to begin since in the Account privileges you can set the number of profiles, while in the Standard account setting you can also set the number of profiles. I am trying to figure out the logic to this. Should I set the maximum number of profiles in the Accounts settings, while limiting the number of profiles for a Standard account. Or set the Account privileges to two profiles and then the Premium settings would override the Account settings for the number of profiles?