Quote Originally Posted by Alleo View Post
90%?

You can organize your inventory and armory for free, chat, and get 1 kupo nut per day which you can use to purchase something from the MB.
Premium: Chat, inventory and armory organisation, organisation of your retainer and saddlebags, double the saddlebag, get one more retainer slot, 2 kupo nuts per day and more nuts that you can keep. And since you can only manage your retainers with premium this kinda hints that you can only use the retainer to retainer sending with premium too. Thats way more behind Premium than free.
Free:
Chat
Inventory
Armoury
1 Kupo Nut
Sync friends list
Plan events
Issue Invites
Configure Notifications

Premium:
All above
Chocobo Saddlebag management
Chocobo Saddlebag extra slots
Retainer management
1 Extra Kupo Nut
Allows 1 additional Retainer

I've taken the liberty of bolding the premium parts that might have a more significant impact on your gameplay experience. Maybe. If you're a hoarder and can't manage an inventory properly.