I would rather spend every spare penny of regular income that I earn on upping my pension pot rather than on duplicating what I already own. Subscription services come out of regular income, the nice toys in life come from irregular windfalls or not spending all my monthly allowance.

And for reference, in UK we pay much more for Tidal than $20/m and I pay much less for fibre broadband than $50/m so the worth of each service is very different. My 36Mbs fibre connection costs less than Roon subscription.

Meridian owner since 1992
Prime & PSU, Focal Elear headphones, Roon (ROCK 8Gi5 NUC), Explorer 1 & 2, F80. 200/203, various Sonos (via Roon).