2FA should not be an Enterprise feature! For this reason alone I will not use Freedcamp.
I fully support the tiered feature approach, and I think your minimalist plan is more than reasonable. But having to pay for Enterprise to get 2FA is unreasonable given how much of an issue hacking is these days. I won't use any system that doesn't have 2FA and I resent having to pay for the expensive Enterprise level to get this.