So just like johnmeyers I did not want to pay to create terrains for CF from Lidar data.
I know I have this other place but this should be easy to find now
So I found a way to create terrain from Lidar data be it in .las / .laz / or any raster format such as .tif or .png
I use "LAS tools" | "VT Builder" | "Photoshop or GIMP"
Video 1 - Shows how to convert LAS or LAZ to VT Builder readable format
Video 2 - Shows how to take a raster download and bring into CF
Sorry if these video suck
Happy Building