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You can easily buy memberships for channels, which gives more money than premium. In fact, most memberships for channels I frequent are $0.99 a month, so you can definitely afford to support 10-15 of them for the same price as premium.
That’s great that it’s a good deal for you, but it doesn’t change the fact that google took features that were free to use and locked them behind a paywall. So by default it’s a bad deal on that front alone.
Though I must say as a dev, being able to use 3 different safari windows for 3 different accounts to test is wonderful, instead of needing multiple browsers.