"MD Personal Advanced: $60,- a month = $1.440 over two years"

Are you missing that you can buy a normal license? MD call it a "Perpetual" license but it is the same as Poser.

"Licence: MD personal allows commercial use, even when you're a freelancer, but not when you have to be considered a legal entity."

Maybe they explain poorly, but as long as you are a single freelancer, legal entity or not, you are entitled to all things commercial. That goes for 99% of the content creators here in the Poser community. The $3000 is for real companies with employees but in that case the price shouldn't be a problem.

For the third. The MD Team is very generous with the monthly competition it is not difficult for a hardened Poser hobbyist to win all or the bear part of the license cost. I didn't pay anything, Rosemary didn't pay anything. And you mr aRtBee, will certainly not need to pay anything.