New to Version 8, wanting to get off on a good footing

Well, as Grey said, you don't need Collections unless either you or The Man has multiple vaults. If The Man's stuff goes in one vault, and your stuff goes in another, then selecting the vault of your choice is good enough.

In my case, selecting the four I do want, versus the four I don't want, is a bit much. So I'm grateful for Collections.

(And yes, these forums can be a lifesaver. The staff are endlessly helpful, and show nothing but patience to the often-irritable users.)