Google Drive makes it easy to collaborate on files with my spouse, family or colleagues. Makes it easy to have my media available where ever without having to host it locally or expose my local network to the internet. And free webhosting for my personal website using Google sites.
iCloud integration with my photo library is top notch. iCloud+ “hide my email” is great for privacy on my personal domain and a lot better than trying to deal with security and deliverability for myself.
I could probably get ROI on infrastructure and storage just by buying a NAS in 3 years or less. But I won’t get the time back to get the same level of security, reliability, and buy in for others so spending $99 a year on each is worth it for me.