That said. I'd probably get an InReach these days if I were going to spend significant time in remote areas. Leaving your plans with people was always a bit of a tricky exercise. You haven't checked in by a specific time. Now what? Go to the trailhead if that's even practical? Call in SAR? Give them another few hours/a day?
I can see a principled stance of getting a PLB and knowing you'll activate it if you believe you'll likely die or be seriously injured without rescue, otherwise it's just a ballast you're carrying. But just foregoing one altogether seems like a very strange place to draw the line.
The cost of the subscription is a tiny amount compared to the real financial costs of the situations they allow us to avoid.
Do you have any source on that? I'm genuinely curious.
Others radios focus more on being portable and include batteries for hikers and SOTA (Summits on The Air). Things like the KX2, Xeigo X5105, or the new Icom IC-705 (announced but not shipping). The IC-705 actually uses the same battery as their HTs.
HF radio use (at least in the USA) requires the general license, which is a a bit harder of a multiple choice test. The easiest license is a tech which gets you privileges on the 2M and higher bands.
The digital modes give even a very modest radio amazing range. A friend demo'd a (5 watts) FT-817 in a poor location (building patio surrounded by trees, crappy antenna (random 20+ foot wire attached to the antenna port with an alligator clip, terrible antenna placement (thrown over a 8 foot tall tree branch) and was able to reach people in Ohio from California.
One of the advantages of an inReach is that you could activate it with a single button press even with major injuries.
Also I meet lots of people who have taken the test and bought the $30 radio but don't know how to use it. Practice, practice, practice. I look at group camping trips as an opportunity to practice wilderness protocol and usually come back with a bunch of notes on what worked/didn't.