I found a tree program at an affordable price and tested the demo which limits a tree to 4 branches + 3 x 4 sub-branches.
I also made a similar tree in TreeMaker (
http://www.anim8or.com/smf/index.php?topic=1395.0 - Reply #4 by NickE) to compare apples with apples and though the result is not meant to be a beauty contest the difference is significant.
The Generator program lets you draw your own leaves from a photo with as many or as few points as you like, keeping the polies low, and also uses the same photo as texture for the leaves. So you can have a copper beach and a silver birch next to each other and actually see the difference.
Also the difference in size of each file is big, 49%. With the test trees I can place 3 Generator trees for 2 TreeMaker trees and have the same file size which is also important.
Despite all your help and extensive searching this is the best I could find though I'm still on the look-out for something to make regular plants.