I do a hybrid, where I keep lowest tier subscriptions but choose to watch content off of our media server setup at the highest available quality, without advertisement.

I don't mind paying for what I consume, but God damn is the value proposition at the floor currently. Here even the rather expensive mid tier subscription gives you 1080p at most with all the big players. It's as if they somehow converged to this model and aren't competing anymore. Coincidence, I'm sure.