Here's the differences, you actually get a full featured password manager on the free tier. There is some nice features with the paid tier though.
As for the sub being there for survival, they've said all along their "survival" is based on business subscriptions not personal subs - I can find their quote/statement saying that but I did come across that. As for the cost of the sub, its a no brainer if you're using it, 10 dollars a year is the cost of a single cup of coffee, less then a pizza.
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