Yes, I definitely hear you. If you're living well within your means then sure. But on the other hand, a shocking number of Americans don't live within their means and are strapped with credit card debt. In those situations even a small number of instances of this kind of "oh, it's just $20 / month" reasoning start to add up.
> It probably increases my productivity by that much per day.
Again, this doesn't matter if you're on the edge of cash flow positivity and can't actually turn that productivity into dollars. Your employer isn't going to pay you $20 / month more because they can't measure your productivity with that much granularity.