so i decided to open my collector's edition just now and am currently installing lol. i have registered my copy of the game in my account management and registered my security token. since the game is free to play still, do i have to even choose a payment method yet? and there are two methods crysta and click and buy? which one is better to use etc? i am confused on them, why isn't there just an "enter credit card info" and be done as simple as that? how much crysta = 1month sub, 3 month sub etc etc?

Thanks