I just bought it today too bro. I just wanted the social aspect and also no limit on gil, and hire retainer for my useless armory that I'm hoarding for no valid reason. I just go to the mogstation, press upgrade to full account (bought complete edition as its 60% off now). After that, the page would reload and we would have the full access. From there, they would ask you which subscription we prefer and I saw the 180days for $12.99. I wanted that but since I'm on free 30 days, I'll get it later.
I gotta agree FF has the worst and most limiting payment method ever, but so far the mogstation has served me well. I'm just appalled by their decision to put so many limitation on player purchase.