I'm doing the same, I have family plans with my friends for pretty much anything so I don't think I ever reached such high monthly costs though.

I started my home server for self hosting Immich, not only for the cost but because I like to have my images close to me.

I also recently replaced Lightroom with ON1, it's definitely not the same quality but, as hobbyist, it didn't make much sense to pay that much for me anymore. It was by far the most expensive subscription I had.