no, I'm close to the beginning stage only. now I'm working on tactics only, (and K+P endgames from time to time), that'll be CT-Art (which is excellent) from total chess training and Dvoretsky's Endgame manual (which is for a little high-level players I think, but I had some prior knowledge, so it's not a big problem).
but I have checked all the other programs in the package, and I found them all useful. I'm planning to be finished with them (maybe except encyclopedia of opening blunders) in the next 5 years, and maybe it's wishful thinking (that's not a joke).
by the way, if you feel you really need a stronger tool for analysis, keep the fritz 8, and instead of buying a new program (gui + opening book+ database + engine) which is very expensive, buy a strong stand-alone uci engine (like Rybka, which is far stronger than fritz or shredder) and plug it in the fritz 8 gui. the others (like opening book or database) can be found free on the internet, in at least the same level with ones coming in those packages.
I also have chessmaster 9 and 10 both, and they're basically the same with a very slight improvement in the engine. since CM 10's engine (the king3.33) is already pretty old and is not even as strong as engines that are freely available (like Toga), I'd not recommend you to upgrade that also.