Yes, you are correct, you are now paying for everything. Understand, NAV will function always, updates to maps, advanced features will not, read carefully. You can view your services here...
https://connect.jeep.com/us/en/dashboard. I navigate to this site once I log into mopar.com, clicking "jeep connect" button under connected services. The reason for these charges "I ASSUME" is because previous jeep models relied on Sirius to supply the services/data. Now, starting with the GCL, jeep is doing their own software/system themselves (why it doesn't work lol). As a result, they are monetizing it to recoup their investment. My assumption is that this applies to all FCA vehicles moving forward as they were paying Sirius for these services and rolling the cost into the vehicle. With people keeping vehicles longer, they was continuing to pay Sirius for these services, losing money long term. By going their own route, they have the ability to charge for it and disconnect it to prevent the older vehicles having such features.
They are now charging for these services. Want remote control via app? map updates? etc... I have attached pictures of my current subscriptions, yours may vary. I have called jeep to raise hell about this already, mine previously showed all of my services expiring in 3 months from when I drive off the lot. I have not had anything advanced in my app like service reports, vehicle health reports, gas level, mileage in my app until 12/10. I picked up in September. There was a pamphlet/advertisement in the jeep literature that stated I had XX months of these services, which didn't match my account online. Cant remember where I read this information, but was included with my purchase.
On my 2012 GC, I had a "friend" that would download the map updates DVD for me, I would throw it on a USB memory stick and load it into my GC nav. This stopped when they went towards newer Uconnect software. On my 2019 GC I had to do it a different, more complicated way, but still could be done. Now, they have essentially locked it all down and the only way to get map updates is to pay them directly. Previously the map updates came from a 3rd party.
The first picture showing expiration is the overall, the 3 additional pics show what's included in each of the 3 subscriptions. EDIT - added photo for length of trials, check yours to ensure you are getting the correct duration.