I have a different perspective on these things coming from an industrial background and having worked with CNC machines a lot.
Tool holders bought for CNC machines are EXPENSIVE. Like $2-300 each expensive. This is because they are precision made and dynamically balanced. Any piece of metal spinning at 10,000 rpm or higher really ought to be.
There is simply no way that for the money these quick change units are selling for that they are dynamically balanced. They WILL noticeably shorten the bearing life on your router.
Peter, you do not mention the table nor the router you are using. I have a Triton 3hp Router in my Kreg Table. This router has a built it lift, and when raised up, auto locks the spindle so only one wrench is used. I also have a Porter Cable 890 in Rockler’s Rout-r-lift in my Folding Router Table. This left easily allows the collet to be raised above the table. The lift can be had for most 2-1/2 hp routers.
The PC 890 also has it’s own built in lift system that allows for above the table bit changes even with a standard flat insert plate. They sell a special handle for this but I think is hard to find now. I came up with my own. You can see how this system works and the handle here:
https://youtu.be/uP5tLgrmcK8
The other option is a flip top on the router table. My old table (before the Kreg) used a Freud Router with no lift. So I made the top flip up to be able to change bits under the top without needing to kneel down. You get enough of that already!