These are often do-or-die decisions, but I can imagine how many churches die under the weight of mortar or mortgage. Certainly, from my unscientific review of Universalist churches that suffered economic shocks of the nineteenth and twentieth centuries, the survivors had modest, paid-for buildings or participated in union (cooperatively owned) meetinghouses, and either had long, long pastorates or a series of intermittent (I wonder if we’d call them part-time today?) pastorates. Some also relied on preaching circuits, which survive today in an informal way but are little discussed. The take-away: affordable capacity and flexibility.
Consider one unsinkable church that died and left an exquisite corpse: Third Universalist, New York. More church than they needed. Mortgaged to the teeth. Economic downturn. The coup de grace: Fourth Universalist, formerly downtown, moved nearby five years after construction. Dead within fifteen years in their new building. (The building is extant, now Baptist.)
Next: how much space do you need?