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Packs, plugins, AI, effect, so many different words in the "what I get" pile when I bought the sub for 365.

I'm just confused on what I actually GET. In the Cyberlink App Manager I see a "packs" tab. Inside that I see all kinds of "packs". When I click the (i) I see details and some BIG price tags. As a 365 subscriber do I automatically get access to all these packs? The last thing I want to do is click DOWNLOAD and next month see 500$ in charges show up on my card. I did submit a ticket to support but never heard back.

Thoughts? Thanks!
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