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It depends on your risk appetite, how remote you are, on road or off road, who can actually do anything if you're fucked, etc.
On road I'm not that bothered. Off road, well, mostly on the remote stuff I'm tracked. Training, not so much. That was why I was toying with the idea of InReach. I'll be in the mountains more often I hope so will more likely brain myself in the bush.
I dunno, I've survived this long, I figure, fuck it, I'll crawl out of most situations.
I have been tempted to cancel my subscription a few times but it does give peace of mind in places like the Welsh mountains where I can ride for several hours without signal.