YouTube Premium is only personal so it's useless for me I'm already paying for family plan, and what do I need 20TB of cloud storage for to update to 100$ plan - basically it's a useless bundle for me not a value proposition beyond the 20$ with their usage limits I saw.

Same for me. I find myself using Google’s $20/month plan, plus running really good local models with occasional use of Deepseek Harness with their flash model, occasionally a $6/month Alibaba subscription for their strong qwen-3.8-max model, and about every third month getting a Anthropic subscription if I need more access to Opus.

This is a lot of purchasing complexity for an old retired guy like myself!

I wish Google had finer grained $30/month and $40/month subs: then I would probably just make my life easier by only using local models and Google (their sub also provides some Opus, but the Anthropic subscription is better if all you care about is Opus or Fable.)