I live a pretty frugal life, and reached the FI part of FIRE in my early 30s as an averagely compensated software engineer.

I am very skeptical anytime something is 'free'. I specifically avoid using a free service when the company profits from my use of the service. These arrangements usually start mutually beneficial, and almost always become user hostile.

Why pay for something when you can get it for free? Because the exchange of money for service sets clear boundaries and expectations.