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PS Collection is really good, yes, and PS Plus has some value by virtue of being cheaper and allowing you to keep the games. That's why I had it for two years at least even though I wasn't using it regularly.
That's a trade off, yes, but I'm looking at it as an option, not something permanant. I can subscribe for a month and play what I want and leave it. Then go for it again for a month when I want to play something from its library.