You're absolutely right. If you don't keep the payment you won't be able to access the retainer, but all their levels and gear and inventory will remain intact and will be waiting for you when you hire their services again.1). I'm not 100% certain (as I haven't purchased any extra retainers myself), but it is my understanding that if you stop paying for that retainer then you lose all access to that retainer until you reinstate the subscription for it. I am very confident that anything stored on them is not lost and you just lose access to the retainer itself. Someone who actually has purchased an extra retainer would be able to properly clarify this though.
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