AFAIK Bluelink expires 3 years after car purchase unless you extend, and has absolutely nothing to do with a Verizon plan. Mine expired 3 months ago and the car continues to run just fine. If you feel like you need app connectivity to remotely talk to your car, or want continuing OTA functionality, you need Bluelink.
I never used the app once for anything and was unable to get OTA for probably my first 18 months of ownership (since summer '22), so I'm just fine, thank you. I'm happy to go back to USB stick upgrades just as I did for those first 18 months, which I understand will continue to work. In fact, I think those might be safer anyway if you'd rather wait to hear about others' auto-OTA update misfortunes (i.e., broked1ck software patches) before explicitly initiating your own. I suppose OTA may be of considerably greater value to CCNC owners, i.e., '25 and onwards, with its expanded functionality re: drivetrain, etc., mods.