Buying the games isn't necessary if you pay the subscription.
Until you stop paying, and have nothing. If I spend £120 on a year's subscription, in 12 months time I have no games. If I spend £120 on games I actually want, I have four or five favourites that I can keep coming back to year after year.
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"I'm Commander Shepard, and you're standing in the biggest library in Citadel Space. Look me up."