After a lot of digging, I stumbled on the below video for a cheap and easy solution for the expired Navdata message: simply download the file from the FAA site! The only catch is you have to do this every 28 days. Still better than paying a monthly fee.
Small update: The README file in the Custom Data folder suggests you're able to simply place the FAA file in there and XPlane will read it. It won't. You MUST rename the file exactly as the old file and replace it.
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