True. The difference is so small it maybe doesn't even approach being a good incentive to pay it all up front. Maybe just more a much easier (much cheaper) way to cross a threshold that you may not step back over before 12 months because if you do you lose any previous investment.Not sure if that small difference is enough incentive to always pay it fully up front though.
Otoh, those tiny extra few dollars multiplied across many thousands of users paying month by month would probably add up pretty well for Cakewalk. But they can't immediately earn the full interest on it like they do when they deposit your $499 lump payment either so... I'll leave all that to the bean counters, the final analysis.