When you apply F8 and the local window, I think the array approach is much easier to follow than the Excelformulae-in-VBA approach.
Maybe it takes some time the first time, but when grasping the code sets in, the learning process is much faster ( own experience).
I think snb has a very good point, when you look at the code it doesn't look any more complicated. If one has any experience using other programming languages then using arrays looks perfectly normal, it is the EXCEL bit, of ranges and cells that looks different.
Also because using arrays is so much faster than using ranges, I think it is worth learning how to do it. This is partly because doing things differently only when you need extra speed is not a very efficient way of working, especially when you only discover you need the extra speed having programmed it the slow way. Thus requiring reprogramming.
I always use variant arrays whenever I can. I never know when I might reuse a bit of code which was orignally coded as a once through routine but now becomes a multi loop routine.
Note; I do accept that my opinion is totally biased since I have been using computers for 49 years, in more languages than I could possibly count.