I have a very simple approach to evaluating if a subscription is worth it: I multiply the price by 20 times the annual cost [1]. If it is monthly, that is 240 times. If that is too hard for quick mental arithmetic, 250 is pretty close (divide by 4, multiply by a thousand). $12/month? That is almost $3000. It may seem extreme, but it's not. That is the real cost to your wealth over time.

[1] Net present value [2] of all future payments with a 5% discount rate. 5% is not scientific or anything. This is just a rule of thumb.

[2] https://en.wikipedia.org/wiki/Net_present_value