I have one account that is not enrolled, and one that is linked to my (US) Amazon account so I can do WhisperSync for Voice. And my wife has an account with a Canadian address so we can get access to some books that have a different reader in Canada and the UK than the default US one.
At the moment, continuing to have a credit based account makes sense. But at some point, if the current level of deals continues for WhisperSync books, then it will make sense to drop the credits based US account to not-enrolled. It makes no sense to waste a credit on a book that is only $3.99 because I have already bought the eBook version.
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