K.I.S.S:
Charge them 10% more, for an "adaptive" skillsoft that allows them to adjust it's rating on an as needed basis....
like you said: they are shelling out for a higher rated program then what they want to use it at.... so really, they are either boning themselves (wasting money) or they are being thoughtful and planning ahead (a skillsoft program jacked to the max for that "oh shit" moment)
charge them a little bit more to give it the option, so the added versatility VS added cost becomes a deciding factor. 105 more is not too much more to ask for just such a function.