I’m a big fan of Peloton and pay for the expensive option. You’re right that if you’re on a budget, you can get a very similar experience for a lot less. But for many folks like software engineers a few hundred dollars a year (plus a few thousand up-front) is relatively insignificant. For me, I lost a lot more weight than any other fitness routine in the past. Could I have done it with a cheaper indoor cycle and the basic app? Maybe, but I’m willing to pay a bit extra to maximize something important like my health.