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GeForce now. As long as you have streaming speed Internet you can play so many games, at such high quality.
Microsoft game pass, I haven't tried it with the above because I don't have great Internet (I've got grandfathered into the intro price of GeForce now, I'm not canceling it, I'll have better Internet some day), but it's better than browsing games at my blockbuster/warehouse/Hollywood video back in the day.
YouTube premium. I've only listen to ads when I've first turned on a new phone, every time I do I count my money as well spent. Add in YouTube music (much better than Spotify imo) and I'm good for 95% of my media input.
A hundred bucks a month on various content creators. Not listening to ads in my podcasts, not having to fast forward and rewind, and supporting the people who make my life happier, it's a win win.
For Microsoft Game Pass I look for deals on cdkeys.com or eneba.com and get Ultimate for $6-7/month. Been doing it for years.