@Lisa
Hi,
What kind of cost are you referring to, if you have the Internet this does not charge any fees.
This message means your device will need to restart to finish installing updates. If you're asked to restart your device while you're busy using it, you can schedule the restart for a more convenient time.
For your reference:
Manage updates in Windows 10
https://support.microsoft.com/en-us/windows/manage-updates-in-windows-10-643e9ea7-3cf6-7da6-a25c-95d4f7f099fe
Hope above information can help you.
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