Here's the thing, when I think about the best games I've played over the last couple of years the vast majority of them are not on a subscription services and haven't been since release (and will likely never be, in the case of TOTK).
So fundamentally it depends on what you want from all of this. Personally saving money on my hobby has never been a focus of mine, it's a cheap hobby (per hour) as is. I already have over 1300 games spanning most genres in my steam library alone, I don't need a rental service to duplicate what I already have access to. What I'm concerned about is making sure I can enjoy the best of what this hobby has to offer as and when I want to, subscriptions don't offer that.
A subscription only policy means missing out on (and/or indefinitely waiting for) Elden Ring, Diablo 4, Street Fighter 6, TOTK, Ragnorak, FF16. No thanks.