Which way of charging do you think is better for a SaaS product?

I understand that the subscription-based payment model is the mainstream for SaaS products. However, from my personal experience, I have found myself getting tired of subscriptions. Our lives have been inundated with various installment payments, such as streaming subscriptions, rent, car loans, Afterpay installments, productivity apps, and other seemingly small expenses that are making it difficult for us to save money. So, I'm thinking whether LTD or hybrid model would be a better option for both customers and makers? What‘s your thoughts on it？