Hi Joni & welcome!
First off, my apologies for the delayed response; your message somehow escaped me.
I appreciate all of your points! I do however need to make an important correction on the last, but I will address each:
Spectre is 100% free in the sense that it is an open-sourced GPL-licensed codebase, available in full from here: https://gitlab.com/spectre.app/. This is exactly what it sounds like: the entire application, including all features, fully available for free & with the freedom for you to make modifications (like you might do your car).
In its distributed form, its primary feature-set is also free to access, although we offer the subscription for ease-of-use features such as system integrations. This is as you have guessed how the project is supported financially and able to provide you with the tool in the first place.
On the topic of the "defense strategy", let me start by apologizing for what has clearly created a confusion.
The purpose of this feature is to allow you to indicate what profile of attacker you are primarily concerned with, and given that profile, the application will supply vulnerability estimations for each password in the app. This will then allow you to assess whether your individual passwords meet the threshold for defence against this attacker or whether you need to increase the entropy of the password in order attain sufficient protection.
Certainly I agree with you that "premium"-level encryption would be a very poor strategy. Spectre is extremely dedicated to open access, equality and decentralization. Different tiers of security would lead to a situation where some populations have access to better protection than others, which is antithetical to Spectre's principles.