My wife doesn't use youtube to any significant degree either, so the cost calculation doesn't notably change with the family plan. Obviously if your usage is significantly different the cost calculation is different, which was my point from the start.
This is a false equivocation, blocking ads doesn't mean nobody will be supporting them. Anyway watching ads enriches Google far more than the creators. You can block all ads indiscriminately and send money directly to the creators you care about.
If everyone blocked ads it means exactly that. People can send money directly to the people who can set that up. If not enough people send money then the creator moves on.
Aren't you cheating yourself out of future content? Whatever you like doesn't matter to the creator.