The cost of the vault is not trivial.
If you pay the annual maintenance fee, access to the component vault is included. You also then get Altium updates at no further cost.
Making new components in Altium is not difficult & the Altium 10 "frozen library" is freely available to download. Fellow forum member, Free Electron also has a great downloadable library for Altium.
In my opinion, it is not worth paying the annual maintenance fee unless you want to keep up with the latest version. You will get more help on forums like this than from Altium's support staff themselves.