A lot of fancy words from Microsoft that I interpret as Subscription Plan.
What are the fine point that would make me love a Microsoft subscription?
What BasicGreatGuy said plus if you have a family, each one gets the 1TB of storage. It covers 5 pc/mac, 5 tablets, and 5 phones. That just on the reg home version, not premium.
I'm not sure if this is possible but if you have 2 friends you could all go in together on it. Lessening the $99 cost. Most people I know are paying around $75-85. Like with anything, value is in the eye of the beholder.