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Team and Enterprise pricing is actually based on number of users. See <https://www.pulumi.com/pricing/>. 

This was a change earlier this year (from an earlier per-stack pricing model) largely motivated by feedback similar to yours above!

So you should no longer need to worry about granularity of stacks from a pricing perspective - you can draw these lines between stacks wherever makes sense for you architecture and internal versioning boundaries. 

Hey Robert -- We have switched to per user pricing and I'd be happy to walk you through our options. I'll reach out in a private channel to discuss further.