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@ASTTer
I’d say the commute effect depends heavily on your personality/life situation. I recently started doing Twyford-Paddington 3 days a week with cycling each way (15 mins home to station, 30 mins Paddington to work). With a 6 month old I had lost a lot of my time to cycle so the commute has actually given me some of that back guilt free, and I’ve shed a few kilos since I started.
On my route 3 days a week is the tipping point where an annual ticket would be cheaper but I generally have to travel once a month so I’ve stuck with singles. I can get them via an app now which avoids the ticket machine queue as you just show the QR code, I imagine other rail operators may do this too.