$100 annual subscription vs. free through Apple?

Just wanting to make sure I’m not missing anything. It’s $100/year for cloud storage through Ring if I add a second camera. At the same time, up to 5 cameras are included for free through HomeKit Secure Video via the Apple iCloud subscription I already pay for. Assuming I’m going to stick with Apple, and understanding that I’ll have to buy a new HKSV camera, is there any reason why I wouldn’t want to sell my Ring doorbell and move to HKSV? Not trying to be sarcastic, I just don’t understand why I would pay $100/yr for a service I can get for free.