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All those bills don't really add up to a major expense once you're running Casino & other heists along with jobs.
IDK... I recently bought another MC business & added another technician to my nightclub which has now become the most expensive bill I have @15k/day. I have a maxed PH which is nowhere near that. Even the smallest PH gives you the jobs at the casino plus the additional guy for the casino heist prep. It also gives you an additional garage. I actually wish I could sell a couple standalone garages at this point. I simply disagree on it's "value" as a property in the game.
So yeah... If you don't want the bells & whistles just get the cheapest. Let's you gamble at max tables, obviously a spawn location, 5 jobs you can do to earn a free car, & a couple other benefits.