Me and my family are all on Apple products since ~2014 (or even before). We never paid for iCloud. I opt in this year because (I) the 1st tier costs me 1€/month for 50Go and (II) it’s very convenient to get auto backup for the whole phone (except photos / videos, we are using a family plan with Google Drive for that).
But I admit that enabling iCloud by default and frequently showing a pop up because you are beyond the 5Go plan is pretty bad. But you can disable it at anytime, and there is no more pop up when you have done it.
I got rid of most of my physical games, and built a lovely GameBoy & N64 collection. I consider those as goodies, expose them on shelves. Of course, I also use them and would be sad if they do not work anymore, but their value is not only linked to that. I don’t consider the monetary value the games have. I will never buy a game because it’s rare and expensive. I only collect games I love, and sometimes yes, I have to pay a high price, but it’s just because I have to deal with the system.