Only allow Team use for owner of paid Team Plan (not free plan)

Hoping for some advice on the best way to set up Spark billing for my specific use case. When a user first registers for the site, they just simply get registered as a free plan and the only path to pay is after registration via the Subscription area in the Settings. Here are the three levels of "user" I want to allow.

• Free Personal plan, no card needed, can use nearly everything. A few basic options are restricted until you upgrade based on conditionals.
• Paid Personal plan, card required, can use all site features as a single user, but I don't want to allow Teams to be created, but could join one...
• Paid Team plan, card required, can use all site features AND can create Teams and invite users.

So out of the box, it seems that any user (free or paid personal) can create Teams? Which I don't want. So I'm wondering what the best model is to use for this? Should I just update the views to hide any mention of Groups in the Settings area until a user is an owner of Paid Team plan? Restrict routes? What else?

Laravel/Spark newbie, be kind!