I had the most Zwift experience going for the PRL Full badge: was cancelling my membership, and it showed it would expire on October 5. I decide to go for the PRL Full badge on the last day - October 4. Do 2 hours before work, an hour over lunch, and the rest after work. With about an hour left to go in the ride and several hours before midnight, get the full-screen “YOUR MEMBERSHIP HAS EXPIRED” message, and I could “PAY NOW”, or “NOT NOW”. I grudgingly pay up even though it’s not yet October 5 (in my timezone), which kicks you out to a web browser, then alt-tab back into Zwift which is still showing the same screen. Click PAY NOW again, kicks you out to a browser which shows I’m subscribed. Only choice to go on is to click NOT NOW. Well, this seems to set the flag on their end where your drops stop accumulating and the ride no longer counts. I rode the final hour, did the mileage and the course and of course didn’t get the route badge, the imperial century badge or the 30+ ride-on badge.
I have a few route badges left and knock out at least one per day, and will be cancelling after this month.