Yes, Garmin requires a fee for upgrades (brain-burp on my part, I have them free at work).
However, this may be of interest to some:
The GPS TrackMaker® program begun in the middle of 1998 and now it is free for download in the Internet with resources enough for most of the users, specially to help "outdoor" actions and starting from version #11, urban mapping, with indication of streets, squares, avenues, lakes, etc. If, for example, companies that manufacture GPS devices don't supply maps of waterfalls, parks, tracks or even of your neighborhood, you can create it in GPS TrackMaker®. You also can let it in the Internet so that other people can use it. Starting from the version #11, the maps can be saved in compressed format for the Internet by the "GZ" extension, facilitating the storage in several servers of the World Web.
Hope this helps someone - let me know how it works (as I don't actually own a GPS or have one in my 1989 buick

)