Other thing I see is that people fall on the trap that they NEED to watch what everyone is watching.

Just don’t. Rotate if you need to.

I pay Netflix one month per year, most other services even less.

YouTube Premium is the only I pay full year. It’s my TV now.

I’m the same with YouTube premium but that’s mainly because years ago when it was cheep me and a few mates did a family plan, between the 5 of us it’s like $6 NZ per month and they have grandfathered us so the price hasn’t changed. (Tho I think originally it was $4 per month) since it’s pretty much all I watch it works perfectly and comes with YouTube music!