I started paying $540/month, then down to $420 for a year, then down to about $340 for about 5 years. It's ridiculous! Now I pay $130/month but it took 10 years to get down to that.
If fishing with the bare minimum makes you happy, use it and enjoy it.
If fishing with the best equipment makes you happy, use it and enjoy it.
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I have mud gear tires on my 2WD polaris. I screw in 1/2" hex head screws into the lugs. When I am in snow it just paddles through it. When I hit ice it bites in and goes.