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1) You have to pay 50% of the remaining fees .
In this case, you'll have to contact the customer support, because there will be no Cancel button in your account.
...If I were to cancel my subscription in the first few months, do I still get to use the product for a year until it runs out ...
Yes. And you don't get a refund.
More on this topic: Learn about cancelling your Adobe Creative Cloud plan subscription
As far as I know, your programs do NOT keep working after you cancel and stop paying
Thank you! That's exactly what I was looking for.
Thank you for the reply and link! I'll be sure to check it out after setting my plan up.