The limitations are both legal and for usage. Both sites clearly state these are for use by an individual for their own personal usage. Non-persons (like incorporated NFP) are not entitiled to get/use the free versions.
Even if we did get one, it would be for one site. Currently there are at least three separate site SSLs (bugs, garage, and another I can't recall).
Wild-card certificates are different than single-site certificates
In the end, it will boil down to how urgent the need is vs the cost.