You just contradicted yourself. “Stickiness” by definition is not about people getting “new” phones it’s about people staying in the ecosystem and spending more. The whole idea behind services is to get people spending more money in the ecosystem since they aren’t buying new phones as frequently.
The credit card is basically useless without the phone. If you track your spending with the phone, you’re less likely to leave and you get simple cash back with it that goes into your Apple Pay account.
Subscriptions for games are really a big deal. The whole ecosystem for games is slimy with ads and in app purchases of gems and loot boxes. Games that are bundle with the subscription are curated. If you have kids, signing up for a games subscription and handing them a new $329 iPad or hand me down iPhone is a no brainer. AppleTV+ won’t be a big deal, but get a subscription to Disney+ when it comes out and you have the perfect item to keep them busy.
I would get Apple News just for one of two magazines that I care about.