I hate Hate HATE all the currencies in FO76, just as I hated them when WoW kept introducing (or sometimes, obviating previous ones and replacing them with something new). Just make it “cash” and maybe some sort of Valor points or something, and be done with it.
It’s like these companies’ #1 focus is to get players to log in every day, rather than having deep, meaningful, fun experiences.
I too paid for a one year FO76 subscription, mostly because the value/month was there (maybe $8.50 a month paid annually?) and I enjoyed the peace and quiet (no gankers, no traps) that using a private world brought. But I burned out about halfway through and didn’t play hardly at all the last six months.
For me, I rationalized the subscription like The Elders Scrolls Online: yes, you can play for free, and have a good time. But paying the monthly subscription gets you nice things, like more crafting storage, in-game currency (see previous rant), and some other perks. People don’t go ballistic about ESO’s subscription, so I didn’t understand the level of hatred to FO76 introducing it, except perhaps because it didn’t launch that way.
A bit off-topic, but I will mention that Conan Exiles remains one of my favorites. I really like base-building, and CE gives you so, so many options and flexibility in that regard. I generally play offline, but you certainly can create or join a server. And the co-op play is very enjoyable for me.