Humble - ??

Here's my justification for subs,

I got the 3 months of Gamepass for $1, and haven't stopped my sub - I got a deal for another 6 months so decided to nab it.
For me Gamepass, at least while there are so many games I want to try out that I don't own and that haven't been bundled to death, and being the sort of person who plays a lot of games, and hardly ever play any game more than once, it works for me, because ownership isn't as important as an actual play-through of a game.
They generally add at least 12 new games a month to Gamepass, so for me it's similar to Choice, but the selection is usually better. Not only that, but access to EA Play and all the Bethesda titles are on hand as well as the obvious Microsoft on top.
If you're an active gamer, subs work; if you don't game a lot, then "ownership" is more convenient.
I've played over 50 games since June, and probably only own about 5 of them, with the rest either never bundled or never discounted enough for me to want to buy individually. In saying that, there are perhaps a dozen of those that I would buy if the do get bundled or go on a cheap enough sale because I liked them so much.

I'm still an active subscriber with HB as well (got the same deal as you) cos I like to keep my options open, but obviously it's good to be able to pause the Choice when I partially-want only one of the games ;)

(Sorry for the perhaps, out-of-time reply, just realised this discussion was bumped.)