That description was referring to the different types of plans(unlimited vs regular). You must have an UNLIMITED plan for this to work. The basic unlimited plan is the $45 plan. If you get the 3 month unlimited plan, that is the same as getting the $45 plan. What you can NOT do is purchase a 1, 3, 6 month, etc "everything you need" plan that is not unlimited data, text and talk(the $30 plan or any of it's multiple month versions). All of Straight Talk's smart phones work the same way. They may work for a few days but will cut out long before the 30 day plan period, so it's recommended to not buy them at all as you will be wasting money
No. You can buy the 30 day, 6 month or 1 year plan cards and use it with this phone.
What they mean, and aren't clear about, is that this phone requires the unlimited plan cards, not the "all you need"ones.