Oh, Prokofy I am so out of my depth right now!
Thank you so much for your detailed and considered response.
The group I own has 1,744m land I also have a small strip that has been gifted to me since creating the group which is using part of my personal allowance.
If I up my land credits will that allowance be applied to the group?
Your answer is very thorough - I'm a little baffled but my awakening SL brain will remember eventually I hope.