Critical move in chess

After playing on chess.com for over one year, I have finally made the most critical move ever.

I've paid up to become a premium member.

So for my $30, I get one year of advertisement free site usage, faster move times and access to special features. I also remove that niggling feeling that I've been freeloading on a great service that's provided me with hours of pleasure and brought me into contact with interesting chess buddies from all around the world.

The thing that made  me finally pay up was the desire to set up a group, which not inaccessible to the basic (free) membership level.  But I should have done it earlier of for the more straight forward reason that it's a great chess site that's constantly improving.

I would be interested for you to share a comment on what swung it for you to pay up, or if you are yet to make the move, what it is that's holding you back.