Many thanks to all who responded to my requests.
As a result, I have decided that there is no sensible reason to buy a 545; the 540 model will suit my needs very well.
I considered future-proofing (by buying the 545) but decided that such a concept is mythical in this field of technology. Innovations appear with regularity, so should I be in the market again in 5 years' time, I judge the media technology available then will make all present equipment obsolete. Moore's Law seems to rule here as well. So I will not buy more than I need now.
My kind regards to all. Have a GREAT New Year.