Kevin, there is no disadvantage for the individual operator – they still get the personal credit (at 44 QSOs) as long as the log is completed correctly
Station_Call = club call
Operator = personal call
The additional criteria for clubs was added when a separate table was added for Clubs.
As for the feasibility – yes, 200 can be a challenge (especially with current band conditions) but of my 86 references activated (all as a solo operator), I have passed 200 at 33 of them… although many of them did take two goes