From a Homey perspective there is no difference, the Homey app connects to the Tado hosted web service and not to your bridge. As the Tado geofencing is no longer part of the Homey app the additional paid subscription services with V3(+) are a personal choice. The Homey will simply not receive Tado data about the non subscribed services.
Running my Tado v2 bridge and the HomeyTado app without any problem for years.
