During downtime, you may perform two activities from the downtime list for free. After that, if you do another activity that's on the list, you have to pay for it with coin or rep.
You can do normal actions (not on the list) as much as you need to. "Gather Information" is a little confusing, since it's both on the list and also a normal action. I'm clarifying this in the final version (the downtime activity is now called Investigate, and is a special version of getting info for a score).
In v7.1 each crew has Hunting Grounds (or equivalent). See page 48. When you prepare for a score on your hunting grounds that matches one of its feature types, you get a free downtime activity to prep for the operation (investigate, acquire an asset, etc.—whatever makes sense).
So, to sum up:
- Each PC gets two activities from the downtime list for free.
- Additional downtime activities on the list cost 1 coin or 1 rep each.
- You can do as many normal actions and scenes as you like otherwise.