Yes, I agree with all of your points, and I also think that agencies are largely responsible for this bullshit. OnlyFans was supposed to be all about connecting with adult creators on a more personal level, even if it was just access to exclusive content, but these agency cunts have turned it into a scam science, using every deceptive and predatory marketing gimmick in the book to fleece as much money as possible from fans, whilst conditioning the masses that this is the norm by using the same 'standardized' approach to managing accounts for all the girls they manage. Vague, misleading descriptions... videos split up into multiple files so that you can't see how long it is, inflated prices, non-nude/censored content. It's all part of the agency ethos. And the worst part is that even smaller creators who don't use an agency are also following suit because "hey, if it's working for Model X, then maybe it'll work for me".
And of course, we can't forget about OnlyFans itself, who is 100% enabling these agencies and their predatory, fraudulent bullshit.
This is why I've stopped subbing to OF girls altogether. If I buy premium content these days, it's from sites like ManyVids or Clips4Sale, where each video has a preview, and a decent description, and sometimes even reviews from previous buyers. And with all of that info, I can then decide if the price is worth it.