Not an easy question to answer.
If you only get the 101 and you really, really need to do any edits to synth presets beyond basic filter adjustments, you’ll have to get some kind of editor software. Zenology Pro for sure will work. This guy claims his editor gives you access to all sound parameters, but I’ve never tried it:
707 allows full access to the ZenCore engine. It has easy and, well, not-easy modes for editing. 
I cannot promise you will enjoy editing your presets on the 707.
Another thing to keep in mind you cannot save presets separate from a project. Any presets you create always have to be part of a project. Doesn’t bother me much but others have been vocal about it.
Zenology Pro might let you organize presets into banks and let you create your own custom bank, but I haven’t used it.