Here's a provocative thought: If you're a small team that knows it will grow larger some day (but not when), does it make more sense to implement an 'entry-level' SCM system that's just right for your team size today knowing that you will have to change it when you get bigger, or implement more than 'enough' SCM system for your team today so you are positioned for your future growth?
In other words, which is more painful, changing an SCM system when you outgrow it or implementing more than you need before you need it.
Besides the obvious questions of spending more money than you might need in the short run, should the change cost factors weigh heavily in your decision of which system to implement? Do you have experience with changing SCM systems? Was it a big undertaking or a minor nuisance? Saving Changes...