I was in the same boat for ages and was happy paying as I kept the original rate. Then they bumped it by almost 50% end of December. Quit before the change took effect and have been using ad block ever since. The ONLY thing I miss is YouTube music as I’ve gotten too lazy to rip the remixes/soundtracks that aren’t on other streaming services.
I have an older Ryzen and had no problems with FD until recently. I’m not doubting your personal rig has issues likely tied to this faulty chip, it’s probably also being made worse by their servers.