@Canisius Well, gold is indeed not mandatory but it makes life much easier for reasons stated below...
In order to make sure your planned route in the online MRA Routeplanner (or app for that matter) is 'usable' in MRA Navigation, you shall review your route in the in-built route-editor in the MRA Navigation app to verify the placement of waypoints (and ofcourse the correct route calculation itself).
Without a gold account you cannot plan routes (in the online MRA Routeplanner) in the Here map which is used in MRA Navigation. You shall tweak and/or fine tune the route in the in-built route-editor to make the route final as it calculates the route in the Here map, which you were not able to do before due to your basic account.
This process is a real pain and very much user unfriendly, but it is do-able.
For now this is the only way to make sure your OSM planned route is correct for use in MRA Navigation...
I believe that editing the route in the in-built route editor also changes via points back to shaping points (BUG) and I also believe that skipped/offroad waypoints are set back to normal waypoints as well by the in-built editor (BUG).