I took a survey a few years back when Native Access was new (and in beta), and said I was not interested in subscriptions, for the same reasons I tell Adobe (though Adobe doesn't listen; whereas the audio vendors are pretty good at respecting their customers). Since that time, I have signed on to Slate's and Plug-in Alliance's, even though I already owned perpetual licenses for most of their stuff.
I tend to do bi-annual updates to Komplete, so it might work out productively, but I also don't like most of what's in Komplete and am using less and less of it all the time, other than for FM8, Kontakt, and sometimes Massive and Absynth (though less than before). So I think I would have a different formula for making that decision than I did for Slate and Plug-in Alliance, as well as Roland.
I haven't used my Slate products in two years, since joining the subscription, but use Plug-in Alliance stuff now and then -- I'm still on an extended break from from slowing myself down with production work, but I may get back to it next year now that I feel I have reached good stopping points for "when is it good enough" regarding mock-up parts.
I only recently signed up for Roland Cloud, and it was only because they no longer offer perpetual licenses and they had a one-time discount on a two-year license. I may not use any of it though; I try to avoid repeating sounds, and may have already maxed out my use of their soft synths.
Oh yeah, for NI there's also stuff I've used a bit but might not use any further due to repetition of sound between musical projects: Action Strikes, Rise & Hit, and the like.
For individuals vs. businesses, I generally don't like subscriptions because they lock us into a non-discretionary budget, and most of us in my position have sporadic intervals of time that aren't always easy to predict (vs. someone running a studio, who doesn't have a "day job" that is different).