The $182 commitment is borne out over the entire year. Buying the subscription just means that you pay $26 for the exclusive (the head pack) and they validate your credit card with that purchase.
You don't get charged again until the month that your order ships. This is dependent on whether you buy a monthly or a quarterly subscription. With a monthly sub, you will get charged around the 10th of every month for the cost of the figure that month and shipping. With a quarterly sub, you will get the previous 3 months figures all in one shipment every 3rd month.
Yes. You will get Early Access when it becomes available.