I wonder if the problem is you're undervaluing your software. You're expecting a certain price point but often that's too low for a business to be sustainable.
Is that too much?
Even at $120/year, I have serious reservations about putting my photography library in piece of subscription software. I've heard that LR6 is the last standalone licensed version, so I'll be looking into Darktable as an alternative.
It's not much different from another piece of software that you buy outright, but that is not going to be supported after X years. You'll have the same problem: "hey photo_something 2.0 doesn't work on MacOS High Sierra anymore, but our v3.0 does, for a small upgrade fee".
Are you going to hold back on upgrading your OS? For how long? At some point all the delay tactics stop working, and by then there isn't enough of an ecosystem for the "old world" anymore to help you transition out smoothly.
$120/year is really not that much if you are a professional photographer (or digital artist) who needs the bells and whistles that PS/LR provide. If $10/month makes or breaks your business, I have bad news for you.
I personally think that $10/mo for LR/PS is a great deal.
I bought Lightroom 6 for $79 (upgrade price from LR3) about 26 months ago. It still works fine. Whatever features I'd have gotten with the CC package ($260 and continuing upward forever) are certainly not worth more than tripling the price.
Obviously if it's your profession or a more serious hobby the value proposition changes. But the "everyone pays the same price, even the occasional hobbyist" model is pretty shitty for the occasional hobbyist.