I'm in a similar position. I'm a freelancer, and I have quite a few clients for various Ruby/iOS/Node projects. I need more private repositories, but the jump to Gold is too much for my business. The issue is largely down to older clients that I only occasionally do maintenance work for. I've got about 15 of these, and they cut into my private repo count. Of course, it's easy to dump repositories on a server, which I…
Both Github's and Bitbucket's prices max out at $200 a month; if you're a freelancer, that's worth about 2 - 4 hours of your time per month. That amount is easily spent on hosting/managing your own repositories. If you can avoid spending 2 - 4 hours a month on repositories, go for those.
$200 is nothing if you're running a business.