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These are not two versions of the same business. They differ on when you work, how you sell, how fast you get paid and what happens when you lose a client - and the right answer depends mostly on your circumstances, not your preference.
Four coverages come up constantly and they protect against four completely different things. Most people buy one, assume it covers the rest, and find out otherwise at the worst moment.
Published per-square-foot bands contradict each other by roughly three to one, and correctly-priced jobs land on both sides of all of them. That is not a small disagreement. It means the number is not a method.
The first ten clients almost never come from advertising. They come from a short list of unglamorous things done consistently, and knowing which is which saves you a year and several hundred dollars.
The equipment is the cheap part and everybody focuses on it. The costs that sink first-year cleaning businesses are the two nobody puts in the spreadsheet.
A commercial cleaning bid is one number with four inputs behind it. Get the production rate wrong and everything downstream is wrong, which is why the published rates are a starting point and not an answer.
Occasional notes on running a small business without a back office — what the numbers actually say, and what to do about them. No schedule, no filler.