Pretty sure you are going to have to pay for each additional characters.Entry level plan lets you create 8 characters total, and there is a max of one per world. Extra characters do not cost extra.
Standard plan lets you create 40 characters total, and there is a max of 8 per world. Extra characters do not cost extra.
Creating a new account requires you to get either an entry level or standard plan for it; there are no free characters or retainers given this way. You can't even buy extra retainers now, if I remember right. RMT will not have it any easier this way than they do now, because the accounts can only be logged in once at any time, so having one character or 40 characters makes no difference; they are still only able to farm with one at a time.
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