That said. I'd probably get an InReach these days if I were going to spend significant time in remote areas. Leaving your plans with people was always a bit of a tricky exercise. You haven't checked in by a specific time. Now what? Go to the trailhead if that's even practical? Call in SAR? Give them another few hours/a day?
I can see a principled stance of getting a PLB and knowing you'll activate it if you believe you'll likely die or be seriously injured without rescue, otherwise it's just a ballast you're carrying. But just foregoing one altogether seems like a very strange place to draw the line.
The cost of the subscription is a tiny amount compared to the real financial costs of the situations they allow us to avoid.
Do you have any source on that? I'm genuinely curious.
Also I meet lots of people who have taken the test and bought the $30 radio but don't know how to use it. Practice, practice, practice. I look at group camping trips as an opportunity to practice wilderness protocol and usually come back with a bunch of notes on what worked/didn't.
Others radios focus more on being portable and include batteries for hikers and SOTA (Summits on The Air). Things like the KX2, Xeigo X5105, or the new Icom IC-705 (announced but not shipping). The IC-705 actually uses the same battery as their HTs.
HF radio use (at least in the USA) requires the general license, which is a a bit harder of a multiple choice test. The easiest license is a tech which gets you privileges on the 2M and higher bands.
The digital modes give even a very modest radio amazing range. A friend demo'd a (5 watts) FT-817 in a poor location (building patio surrounded by trees, crappy antenna (random 20+ foot wire attached to the antenna port with an alligator clip, terrible antenna placement (thrown over a 8 foot tall tree branch) and was able to reach people in Ohio from California.
One of the advantages of an inReach is that you could activate it with a single button press even with major injuries.