If you're a business user without a server, it's best to use Ultimate to get those additional features. Microsoft's stance since Windows Vista shipped has been that business users without a server should use Ultimate. Using something like Small Business Server alongside Windows Vista/7 would only necessitate the use of Business/Pro.
Bitlocker is an advanced feature though. You should always have an unencrypted backup stored in a safe place in case of hardware failure. If you have a problem with your motherboard and you have to change it, or your whole system, your TPM chip can't be taken off the old one, so you could potentially lose all access to your drive. Data recovery in the event of a hard drive failure is also very difficult with Bitlocker so be aware of this when you use it. Using Bitlocker with a USB thumbdrive with a stored key is a bad option IMO, since USB thumbdrives fail at any time, and don't have a long MTBF.
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