Remember, the filing puts the world on notice that you may hold an interest in the debtor's property. Check the filing fees. Unless you are taking a purchase money security interest in something other than inventory, you should search to see if there are prior filed security interests. This, too, can be done by a number of means, ranging from walking into the filing office to calling any number of search firms to do the job for you. Since many states are filing electronically, there are an increasing number of reliable electronic search services.
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When in doubt, spend the extra few dollars and file in both places with both addresses. Part of the benefit of reading things like this is to let you know that there are options out there. This is not a complete manual on the UCC, but it does tell you there are things that can be done. When in doubt, ask. Most collection agencies or lawyers will give you, without charge, an idea of what can be done.