Superwhisper monthly vs lifetime — do cloud models require your own API key on lifetime?

I’m trying to understand the real difference between Superwhisper monthly and Superwhisper lifetime, especially when it comes to model access.

Am I correct in thinking that if I pay monthly, I get access to the cloud models Superwhisper offers, such as Gemini, Claude, etc., without needing to provide my own API keys?

But if I buy the lifetime option, I don’t pay monthly anymore, but I would need to provide my own API keys for any cloud-based models I want to use, like Gemini or Claude?

Basically, is the main tradeoff that monthly includes hosted model access, while lifetime is more of a one-time app purchase where cloud model usage is bring-your-own-API-key?

Just want to make sure I understand this properly before deciding whether monthly or lifetime makes more sense.