> If I don't understant the business model and how much I could be locked-in, I don't even bother wasting 1 minute on the product

Personally I do it the other way around, first I try it out and see if it's useful, then I'd figure out if I'm willing to accept the tradeoffs of pricing/lock-in.

If you do it the way you suggest, wouldn't that mean you can't actually understand if the business model is fine because of the benefits you get? Seems backwards to me.

100% agree. Why even question the business model if that's not a product that I would use. First should be "Can I use it?"(meaning does it run on my devices etc.), then "Do I find it useful?" before anything else.