I am alright with the subscription renewal necklaces not being stronger than T4 necklaces. I can always use it on a fresh 80 character. I think it is a terrible move to hide the curses these necklaces give you until you have already paid and chosen which one you want.
The tank necklace gives you a -74 critical rating debuff.
The healer necklace gives you -1,500 health.
The mage necklace gives you -63 constitution.
Without any way of making an informed decision on the necklaces, I really feel ripped off that the necklace I picked is worthless for the class I wanted it on because I was not fully aware of what said necklace's stats were. I know you are chuckling now, and already have my money in hand, but I am really regretting not just resubscribing at a lower tier than the full twelve months. I am not sure Funcom is in such a financially secure place they should be putting themselves on their player's "Buyer's Remorse" categories.