I’m still far from being a Lord though lol. 
Some might already hit cap.
As for the hacka case it does make sense that they make it all mounted, since it’s origins are from a known cavalry in history.
Perhaps the idea coming from the dev’s point of view is that since companions can be shared between characters, level up, carry equipment and have stat attributes, they should count take up a slot too. I come from playing tabletop games so the idea of some characters/units taking up more than just 1 slot/point doesn’t seem alien to me.
I would very much love to too to see ToS having a full subscribe to play model with no character creation restrictions too. Am ok with 30-40 per month too like what you said. But then with a paying model, IMC will have to setup trial accounts for players who want to experience the game before committing to it, just like WoW, GW2, Ffxiv. Those accounts likely to come with limitations too just like the top AAA paying MMOs, which may include character slot limitations.
ToS’s model is actually somewhere in between imo. It’s TP pay model mimicks the modular “pay-what-you-need” structure which is found in many of the services we see and use in the real world.
Like telcos, pay basic service, add module (additional service) for caller-id, module for overseas roaming etc.
ToS is base token for token services, then additional character slots for 33TP each.
This is something which I agree too. The current wording makes easy for players to misunderstand. Doing a 3 character slot + 2 companion will be really great. Additional character/companion slots can be purchased at the same 33TP each.
As to why 3 character slots and not 4. Do note that IMC do need some way to generate income from their IP. The goal of the game is to convert players from free to play to paying customers, just outright giving everything for free isn’t really a good model for business.
People might see this as a cash grab; but IMC is a business, they do need to find someway to make money in order to get funding to make improvements and create more content. I would rather they choose to make money via transactions such as character slot purchases and comestic stuff rather than pay to win items.