Dont know why people are arguing with subscription service.
You have two option.
Buy the full game and pay the online service, if you play online game. Or pay the subscription fees, which is small amount of money and wont leave that much dent on your bank.
3 day1 games(xbox/EA/Ubisoft/PS) is $210 bucks these days.
1 Year of EA premium/Uplay+ is $180. Or pay 45$ for 3 month each and finish those 3 games. That will save you money, with downside that you wont own your games.
For Xbox/PS you essentially need to pay online mode. So 3 games plus online mode will cost you $270.
XGPU is 204 for 1 year. That is a $66 saving. While PS+ premium is $120 yearly or $180/$216 yearly. Caviet is that you wont get day1 games, but with in 1-2 years.
The only valid argument against this game ownership. PS+ games leave the service, so its unreliable. EA licensed games leave the service, same with MS FH games.
The choice depends on you whether you want to own your games or whether you want to save your money. There is no wrong answers here.
Finally, gaming is a hobby, not a job. There will be a time when you wont be able to play them. So my advice for you is to enjoy them while you can.