Oh dear. There's nothing contradictory about the two sentences you've quoted.
I offered two possible reasons as to why home educators (including the PP referred to as "gloaty") opt to spread their GCSEs out, neither of which were to do with saving money.
You then began a strange ramble late last night about how people should not home educate if they can't afford the exams, even though (as you've subsequently agreed) spreading them has no overall cost impact.
As to why people don't just save from age 12 instead, did you miss my first point about there being other reasons, aside from anything financial, as to why home educators (and schools used to, for that matter) opt to spread GCSEs.
Anyway, I am not home educating any more (although even if I was, breaks are allowed!) Mine have all passed their GCSEs and their A Levels and are now either at a good uni or got a good jobs.
Thanks for your faux concern, though.
And no, I don't need my choices on home education validated by you.
I'm really not sure why you would project your thoughts about the need for validation onto a random stranger on the internet.