Of course I know you don't keep them. I'm just saying that it isn't really free if you lose them anyway. They're a part of the subscription.
Comparing it to NetFlix is a bit too much. Netflix has a ton of content from the day you subscribe, so does the xbox Game pass, hundreds of titles available to watch/play for the same price as PS Plus monthly.
PS plus is only 2 titles monthly, you don't get to play any of the previous titles if you never added them to your library.
Sure, if you play PS4 every now and then, it might be alright, but for someone like me who never play console and turns it on every 6 months just to play a little wipeout multiplayer then it's not worth it.
It all depends on what you wanna do. Do you want to play at 1080p 60 fps? 144 fps? 4k 60 fps?
Honestly, you can get a 1080p 60 fps machine just fine for 500-700 euros as long you build it yourself as It will be a lot cheaper for you. And no you don't need any skill or knowledge, but I would highly recommend watching a tutorial on building a pc. You don't want to bent your CPU pins by accident
Yes, a gaming PC is like the best thing ever. I've used mine for a while now, zero regrets. It's awesome for pretty everything