It is less complicated than it looks, once the terms are clear.
The change has been coming for a while, but it only became obvious this year.
What it costs
The practical effect is easier to see in a single example than in a summary. There is a deadline involved, and missing it costs more than the difference.
The exceptions
The exceptions matter more than the rule, and there are three of them. The practical effect is easier to see in a single example than in a summary.
None of this is urgent, but it is worth an hour before the next renewal.