No, you don't have to pay for it. For the past few years, there has been an after market, stand-alone unit that you could add to any bike. It was a separate display that ran Apple CarPlay from your phone. Looked similar to a GPS unit. You paid for that. It wasn't a BRP product.
For the 2024 Spyder, Apple CarPlay is built into the main display. There's no fee. However, for it to be enabled, you have to connect your iPhone to the bike via USB,
AND pair a helmet comms unit to the bike via Bluetooth. Otherwise, it is disabled.
CarPlay worked at the show in Atlanta. Don't know why it would need a software update on the production models, But, even Smoak hinted that there was an update required.
OR...maybe folks at the dealerships aren't reading the manual and not pairing up a helmet.
Instructional Video explains:
https://www.youtube.com/watch?v=Upep5y0TLeU