Can I have goals without pledges?
Beemium subscribers can set a pledge cap of $0 on any goal. While these goals still technically have pledges (so you'll still receive legitimacy checks, for instance), a $0 derailment costs $0, so you won't be charged anything if the goal derails!
You can adjust the $0 pledge cap to put a "real" pledge on the goal anytime, if you change your mind later. The reverse is also true -- you can step down an existing goal's pledge to $0, then cap it there.