It really does "depend" on a case-by-case basis. I always try to take into consideration the amount of time that the modeller (or creator of whatever content/app/plugin) seems to have put into the product. I'm willing to pay higher prices for, say, something wonderful that an individual comes up with than one of the content companies that have more resources and bigger customer bases. Installers or archive files are never an issue as regards purchase decision. Like many Poser users I "take control" and initially unzip or install to a temporary folder, then organize content within Poser as I want it to be organized for efficiency. Thus it doesn't really matter how the merchant packaged the content.