Before I purchase, I have a few key questions:

What exactly consumes credits (AI responses, conversations, web searches, document analysis, image/video/voice understanding, campaigns, etc.)?
Are the listed credits one-time lifetime credits or recurring monthly credits?
What happens when credits reach zero?
When using BYOK (OpenAI, Anthropic, Gemini, etc.), are credits still consumed?
Does BYOK eliminate credit usage completely?
Can subaccounts use my BYOK models?
Are there any hidden limits, fair-use policies, or restrictions for AppSumo lifetime customers?
Which plan would you recommend for someone building multiple AI assistants for coaching, church, academy, and small business clients?