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There's not much benefit of having multiple characters, unless you're doing high end raiding and want to get best-in-slot gear on multiple roles ASAP (ex. character A gets tank gear with weekly loot, character B gets healer gear). Also covering more crafting specialists, if you have an FC to trade items between them, but there's very little reason to worry about. (And I say that as someone who has two omnicrafters. Don't worry about it.)
If you go back to an entry sub, you can only access the first character on the character list.
Just starting out, I would recommend the sub with just one character per server. You can do all jobs and crafting and gathering on a single character. Due to the way mail works, you can't mail stuff to your alts on the same account. You can only mail to people on your friend list, and the target of the friend invite has to be online to become a friend. There's no tangible benefit to having alts other than just for fun.
You don't lose any additional characters when drop down a subscription tier. You just can't play the extra characters.
Its a long game with a lot of content to do and doing the initial content will give you a good idea of if you want to buy shadowbringers.