I do think Germany is legit freeloading on not just the US but NATO as a whole. The US could definitely afford to spend less than we do but it's still obnoxious to see Germans lecturing us about our spending priorities being out of whack and how their system is so much better when part of the way they afford their system is by letting other countries pay to defend them.
And to whatever extent Canada can be argued to be freeloading...I mean, you just have to look at a map to understand why that's simply not as a big of a deal as Germany doing it.