[jarcoal]

Here's what we do:

Give the customer a very short trial (5 minutes) and put them on the plan they want. After a couple hours, come back when the invoice failed to charge (because they have no payment source) and close/forgive the invoice.

That will keep the subscription running as expected and keep your analytics (Baremetrics, Profitwell, etc) accurate. When the next cycle comes around, you'll get charge failed notifications from Stripe and you can do it all over again.