I am the type of user who is willing to pay $10 a year and gamble on something as I have only lost $10 - I can then forget about it if it does not work out. However a monthly fee I found off putting - the thought of money coming out of my account each month until I cancel (which I would probably be too lazy to do) puts me off. That's why I think app's work so well for Apple. I pay a one off fee and I forget about it.