I hadn't considered (on more than a surface level) this viewpoint, I do agree wholeheartedly regarding getting your money's worth doesn't necessarily come down to ownership, but rather enjoyment/fulfillment.
I held a micro$hit game pass subscription for quite a while, and (almost) always felt I was getting my money's worth out of it, if not for game pass, there's quite a few games I'd never have considered buying, some of these have been the most enjoyable I have played.
With that said however, I much prefer not having to worry about a game in my library disappearing because a license ran out, or it was dropped from a service. I spend about 80% of my gaming budget on discounted stuff, usually a couple years after release, when most of the bugs are ironed out.