GitLab.com SaaS rate limits do not change based on whether you user is a member of a group with a paid subscription or not. The .com rate limits are not designed/intended to disrupt users from doing their work, and most users/customers never hit these rate limits (except in the scenario that a custom script or automation goes awry).
GitLab self-managed and GitLab dedicated rate limits are configurable: Rate limits | GitLab