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PS Plus price hike: We'll all pay for a subscription-based future | Opinion
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I think this debate can get lost in the numbers when it's more about the user. For some people that upfront cost is going to make sense, for others it won't. The math isn't the hard part. Specifically though, a PC hobby isn't exactly a cheap hobby.
Then don't make it a hobby? You can just buy the PC and you don't necessarily have to pour much money into it after.
Just buying a PC is a high price of entry. It doesn't have to be a hobby that you're putting money into frequently.
I don't deny that there is a high upfront cost, but in the long run it is cheaper.