Assistants API Retrieval Pricing: how much does this cost?

The storage for each GB is billed on a pro rata basis.

Anybody from OpenAI can clarify this ? Does it charge from $0.2 per GB per assistant per day even my file is 100kb ?

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How one can use embeddings and lower the price?
I am looking to make a production level application. I am not able to connect pieces. I know i will have to make vector representation of user data then same for user query. Then using cosine similarity i can get data. But how i can get replies in nlp? How i can leverage the knowledge of gpt or ai?
I was not able to understand how embeddings will help?