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Favorite collaboration strategies?

I’m building a membership application for a non-profit with the support of a few aspiring developers (all-volunteer team). We will be upgrading to a Professional account so that I can link up a couple of collaborators once I get approval from the organization, but I won’t be able to add the entire team (and the Team subscription isn’t in our budget). I’ve been hunting around the forum and documentation, but I haven’t found a detailed (and up-to-date) description of the per-user collaboration utilities or other strategies aside from public apps. We are hesitant to set this app as public at the moment.

Have you used the per-user collaboration settings? What are your favorite workflows? What are the biggest gotchas?