Garmin sold the $199.99 Cirqa band on one promise: no monthly fee, unlike Whoop. Then early users found that seeing your live heart rate during a workout needed a $6.99-a-month Connect+ plan. Backlash hit, and Garmin says a free update lands within days. Competing screenless bands like the Polar Loop show live heart rate for free already. Coaching, nutrition tips, and meditation stay behind the paywall.