How do I get back to the 20GB photo plan?

I bit on a promo to upgrade to the 1tb plan figuring the extra storage might be useful for and additional $5/month.  A year later, I'm not using it and I see the rate is now an extra $10/month (never saw a notice about this 100% increase in cost for the extra storage). So I'm thinking, no problem I'll just downgrade back to where I was a year ago.  Sadly, Adobe doesn't make it easy to get back to their basic plan (I'll spare you my true feelings about this as I'm sure they've heard it many times before and just don't care). 

So, Is it really necessary to entirely delete my subscription to my current plan and re-purchase a new plan at the level I want or have I missed the easy path? I really don't have time to endlessly paw through forums looking for answers that never seem to satisfy.

One final question: Adobe why make it difficult?

Please and Thank You