Hi Dustin
SAP Lumira is not included in the BI 4.x (BI 4.0 or BI 4.1) Platform installation files. SAP Lumira is downloaded separately and installed on a user's pc/laptop as it is client software.
Regarding the license for SAP Lumira, it depends on how your BI 4.x platform is licensed, if you have the BI 4.x premium license, then SAP Lumira is included otherwise you have to buy a separate license for SAP Lumira. You'll have to check with your SAP Account representative as to which license you hold for BI 4.x and what is included in the license.
Depending on how the user id was setup on the BI 4.x platform either as a named or concurrent user, when connecting to the BI 4.x Platform from SAP Lumira, a seat will be consumed, so if your user id was setup as a concurrent user, then a concurrent seat will be used.
Regards
Derek