Thank you for this link, it is very helpful and I've bookmarked it for future reference.
From my perspective, it isn't quite as simple as metal vs buy a subscription to Evernote. I've owned my iPad since early 2016 and the MBP since 2017 so these are not recent purchases. I have had evernote for quite awhile as well and have had a hard time sorting out if it helps me manage my world or not. For most of us, the various productivity programs have to connect with the way our brain works as well as the amount of tracking, sorting and storing of information we need/want to do. For whatever reason, I've not gotten a good grasp of how to best use Evernote for my needs so investing in $100 a year has caused me concern. So I'll look again for more tutorials on how I might best benefit from a subscription to Evernote .
Thank you again for responding to my query.