As mentioned, welcome to the site!
There are two routes here:
1) guessing
2) knowing
Details:
1) We can give you advice, but there is no assurance of the outcome because "sooty" is not well defined. We have no idea how many miles you do per year, how many miles you may or may not run per OCI for the Schaeffers, etc, etc.
2) You can get some UOAs for a few OCI cycles and then track the actual data. Do some experiments back and forth. I'm sure Cummins has studies that show how much relevant soot is acceptable, but I've not seen a stated condemnation level from them for your particular engine, however a fair generalization is 3-3.5% soot is about where most feel comfortable for condemnation levels.
Here is a link from a 2008 study that has some UOA limits from Cummins, among others (page 11):
http://www.calrecycle.ca.gov/Publications/UsedOil/2008020.pdf
The whole goal of using UOAs properly is to establish and set condemnation limits, and then operate the lube that best fits your situtation up to those limits. None of us can tell you for sure which program will be best; you'll have to experiment for yourself. You seem to understand, at least at a rudimentary level, that cost is a factor; it may or may not be the most important factor, but it cannog be ignored.
ANY lube can be under or over utilized. The "best" approach is to use a lube up to the safe limits, to get the largest ROI. Regardless of which route you choose, only a UOA is going to tell you which program is "best" for you!
Don't ask us; experiment and tell us!
Again - Welcome!