This may sound to good to be true? It’s not. From my own experience I can confirm 100% of what you said. Sure, the work is on you and nobody will do that for you. But you can be sure to get the best training, support, community – you name it, to start out in affiliate marketing. WA not only makes no up-sell, they actually provide a down-sell with their 1-year membership which comes for a special price. 
My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.
Yes! Wealthy Affiliate is most certainly an evolving affiliate marketing platform and even if you were away for a few months, you would likely notice a vast number of improvements. This is why it is the most trusted and recommended program in the industry for both aspiring and successful affiliate marketers, because they actually evolve and innovate frequently.
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Always disclose your affiliate relationship. Most visitors will probably understand that graphic ad will lead to your getting paid, but if you write a review or use an in-text link as a recommendation, you want your readers to know that may lead to compensation as well. This ensures you retain transparency and trust with your readers, but also, it's required by the FTC's endorsement rules. 
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