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I believe it loses everything.I don't care about the remote start, but do like the locate car and remote unlock features. We access these through the My Subaru app. If I don't want to pay $150/year to renew, does the My Subaru app lose all that functionality, or just the remote start?
I use mine almost every time I drive, particularly when leaving home. I can start it by voice from my cell phone (or other devices) and have it warmed up or cooled down (and the engine just idling down) when I get in.