Im am so confused with Copilot for image generation

So... I am a 365 personal subscriber...

I signed up on monday. Up until then I was using copilot chat on a free account. My primary use for it is to generate AI images for my D&D campaign. I hit the "your image bucket is empty" which is expected, so I decided to upgrade... 3 days later, my bucket is still empty. And copilot is saying I need to use designer to make images now.... and I get 60 credits a month.

Since I plan on doing alot more images, I figured maybe it might be worth getting 365 Premium. But I can seem to get a solid answer on it. What does “Extensive usage beyond standard credit limits” actually mean?

And copilot is about as confused as I am... it gives me a different answer everytime I ask for clarity.

In short, Im asking... I GET that at personal I have 60 credits to use in designer. But can I NOT generate images in chat anymore? Why not? And if I go to premium, what does extensive usage mean? Do I still have 60 credits only? Does it mean I can generate past 60?