Exactly how quota charges are calculated?

Hi Planet Explorers, 

I've been trying and using the Planet Explorer and Planet Data API to search images. Now I'm going to try Planet Orders API to start downloading data. I have two questions about how the quota charge is calculated. I searched around but couldn't find answers anywhere.

Q1. My quota is given by km2. If I download an image of a given AOI of e.g. 25km2 for an item PSOrthoTile in five asset types analytic, analytic_sr, udm, udm2, and, analytic_xml, is the quota charge calculated multiple times for this single AOI? Four out of the five asset types, analytic, analytic_sr, udm, and udm2 are all images. Is the charge calculated as four times the AOI area?

Q2. On this page https://support.planet.com/hc/en-us/articles/360011216618-Orders-API-FAQ, it says the minimum quota charge per AOI clip is 100 km2 for preferred users and 0.01 km2 for premium users. I can't find which user category I'm in. How can I confirm the minimum quota charge per AOI clip for my account?

Thanks!