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Not all pay-for-perks limit max advancement to only those that spend money.
IRE doesn't(granted it's a lot harder, but possible), and in Ilyrias we are making it even easier(in some ways) to max out without spending money. At the same time we are doing some things, that will be 100% needed to be a good combatant, that money has no effect on.
In general, you were right about the differences between the two types. Though, you could have just said PfP vs 100% Free.
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