I don't believe I overpay. I use my phone for hours a day. It is a marvel. I find it far superior to Android, which I used for years.
Yet I didn't buy the phone for the maps app. I have other choices for maps providers. It is perfectly acceptable to me that Apple charge me for additional services like maps.
We have different point of view then. I like iphones too, but I also admit that they are much more expensive than Android. You can get 140hz AMOLED with good processor on Android for 300€, s26 (comparable to iphone) is available at 600€. You don't get these discounts for iphone, it always stay near it's original price.
What makes it superior in my eyes is the quality of the default app, the note app for instance of the reminder, both extremely powerful and 'free'.
Now if they are going to downgrade their app quality by putting ads in them, it loose it's edge over cheaper Android phone.