The hype around Grammarly as a 'productivity powerhouse' is mostly marketing fluff. It's a spellchecker with a thesaurus and a few extra grammar rules. Does catching a missing article or suggesting a simpler word *really* save you hours? Or just a few seconds here and there?
The real cost isn't the subscription fee. It's the normalization of paying a monthly tax for basic writing competence. Your text editor already has a spellchecker. You can learn the difference between 'affect' and 'effect' once, for free, and own that knowledge forever. Instead, we've outsourced it to a SaaS that constantly nags you to upgrade for 'advanced' suggestions that are often just stylistic nitpicks. It creates minutes of saved time, not hours, and fosters dependency on a closed system.
Your favorite tool is probably overpriced.