Yearly rates for a provider and 2 indexers still doesn’t come close to the cost of all the streaming subscriptions you’d need to have the same library access. Coupled with the ability to use RSS feeds and other homelab services to essentially automate your collection, it’s just absolutely worth every penny.
But I wouldn’t know firsthand, because I’m a law abiding citizen, and this is all hypothetical. I just read about it on the internet somewhere.