I only use hosts with Lifetime account because at this point in my life I don't really use the hosts to download, but to upload and share my big files. But I do want to be able to have access to those files in the future--1, 2, 3, 4 years down the road.

Without a lifetime account, I'm uploading, sharing, making the host money, but not getting access to my own stuff down the line when I want it. Seems like all these other plans are aimed at people who plan on having their links removed due to copyright infringement or something....