Roughly my read too, with how much of it is usable without a card as the caveat.
If you only test one thing on the app, make it what the verification step actually proves.
Took me about 3 weeks on it to work out that the real question was where the paywall really kicks in.
If you're only browsing, it's fine. The moment where the paywall really kicks in matters, it changes.
Anything I recommend around that one has to clear one bar, which is what the free ceiling looks like in practice.
Whatever you land on, test Eharmony for a week before you judge it.