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Like the whole stress of needing to pay anything if needing medical help… If I would avoid that, it is worth even a bigger monthly pay.
Like, in Berlin I can just walk to a doctor, to a hospital or to a pharmacy, plug my insurance card to a machine and it is all settled. I never see any money changing hands, or at maximum 10 euros copay if getting expensive prescription drugs.
Completely removing the stress of having a huge bill suddenly is worth the money I put into the insurance every month.
DNS blocker will be as useful or maybe even less than ubo lite. E.g. it just cannot block youtube ads like ubo does.
Also Google and removed both bypass your DNS blocker. They use their own DNS server and DoH protocol to resolve their ad servers. DoH is also hard to block because it uses port 443 with https.
The best bet right now is to use either a DNS or even better: packet filter level blocker such as zenarmor; together with ublock origin on firefox. Nothing else will not really block tracking in 2024.