Toontrack offers Splice Rent-to-Own (where available). You pay $9.99/month for 40 months. After 12 months, if you stop, you keep what you paid for? No—but Splice allows cancellation without penalty. This turns SD3 into a $10 monthly subscription.
Toontrack is a Swedish company that actively monitors IP addresses connecting to their content servers. If your cracked SD3 phone-homes (and it will, because SD3 checks for expansion availability online), your ISP can flag you. While you likely won't go to jail, you could face a settlement letter demanding thousands of dollars. Superior Drummer 3 R2r
If you cannot afford $399, don't risk the crack. There are legitimate paths to getting this sound. Toontrack offers Splice Rent-to-Own (where available)