$200 per month on boardgames is insanity. Even I wont do it. (I did worse than that on a board game shopping spree. But that was a shopping spree)
$60 per year is fine IF you can get your money worth of game time.
Now I have a month and I only managed to get 1 codex game. It is not easy finding people just hanging around ready to throw 1 to 2 hours of their life on board games. Definitely not on a game they dont know and have to learn. The time investment in live board gaming is no joke.
As for Tabletopia not being as good as forum games in tournament play, I dont think this claim can hold. Best way to compete is live. Face to face with your opponent. Tabletopia is much better in this regard. And I believe it supports spectators.
If you can trust your opponent not looking at your hand or cheating his techs and draws, you can trust him on tabletopia.
Finally, about the annoying constant camera adjusting on tabletopia, you can basically use Shift+number to store your favourite angles and quickly jump between them as needed.
Overall I think Tabletopia is more appealing. I would watch recoded tabletopia match video anyday over reading forum logs (provided it was well edited and had commentary )
That being said, I dont find premium justifiable without enough dedicated tabletopia players ready to spend 1+ hours whenever I find time to want to play.
I hope my opinion piece was worthwhile.