> Sure it costs more, but your 2TB plan isn't a single harddrive, it is likely across several harddrives with RAID ensuring that when (not if!) they fail no data is lost, plus remote backups. When something breaks the subscription fixes that for no extra charge.

Well yes, of course. And for cloud compute you get that same uptime expectation. Which if you need it is wonderful (and for something like data arguably critical for almost everyone). But if we're just talking something like a video game console? Ehhh, not so much. So no, you don't include the backup system cost just because cloud has it. You only include that cost if you want it.