Not going to lie, they are kinda crazy somehow. Phoenix Wallet prices aren't that bad, but unfortunately they do not support NWC :(

Sorry if this is dumb, but when I zap here do I get charged a fee I had no idea about?

Yes, more if you use Spark.. up to 1% of all the fees are enabled.

Phoenix can receive to a Bolt12 offer But I think the problem is that only a few Nostr clients are able to send zaps to Bolt12. But that will improve In fact, I'm not even sure where in the kind0 (or suitable alternative kind) a user is supposed to advertise their Bolt12 offer