Hi Lea, you have the same reasoning as me.
They let you set your own goal weight but it has to be 7lbs less than your start weight - so the heavy clothes thing would work to add a couple of pounds.
I think you pay till you reach your goal weight and then maintain within 5lbs of that for about 4 weeks to become a gold member - after that, each week is free as long as you stay within the 5lbs limit. (interestingly, she only talked to me about going 5lbs OVER my goal weight, not under it...)
I wanted to do this too as its maintenance that's always been my problem - so I am hoping it happens soon.