There is a ratio, which may be a new experience if you've only used public trackers. It's not really a big deal if you have some patience, though.

TL (as do most ratio trackers) gives you bonus points for your time seeding, even if you have done nothing more than make it available. You don't have to upload even a single byte unless someone wants it, and you'll still get points. These points can be used to buy upload credit.

If you simply keep seeding everything you download, and buy credits as needed, you'll quickly have more ratio than you could ever hope to burn. No need to spend money or anything.

As for limited content, it's a general tracker. You probably have niche interests, so you would be better suited on a more specific tracker. I've almost never had issues finding anything mainstream, although quality can be a crapshoot. That's the main reason I usually use other trackers.