I can also pay YouTube $0 a month and never see an ad again.
I do pay money for Nebula, because they seem like their hearts are in the right place. I pay about $60, 70 a month to various podcast and video creators directly.
I don't use adblock, vanced, and sponsorblock because I'm cheap. It's because I don't like what YouTube as a whole is doing with incentivising clickbait and maximising revenue above just being an unobtrusive platform.
I whitelist Alec at Technology Connections, Steve Mould, a couple of others, from the ad blocks, because they aren't on Nebula yet. They should be.