I've been where you are and wondered what the heck was wrong, then one day, (seriously like two weeks or slightly longer) it said download complete and it and all is well.
They give you one or two free updates. If you have it set on auto download, and they've sent the download, they probably view it as your freebies are used up. They charge a minimum fee to send you a thumb drive, even if it's the free one. Seems like it's $40.