Here are the features MS left out of Home Premium and put into Ultimate:
1 - the ability to connect to domain networks - not needed for home user
2 - encrypted file system support - not needed for home user
3 - Faxing software - most likely not needed but can get third party if needed
4 - remote desktop - can use third party if need
That is it, there is no reason any home user should need Ultimate. They are the exact same OS but MS limits features on them.
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