Lots of great thoughts in this. I was super late to the game when I became a FOM. So, I have quite a while to decide. I haven't thought about it much. I think your concerns are really valid though.
Right now, I make enough to pay for it plus more. I don't have any plans on leaving either. I have thankfully not been booted from anything. So, I don't feel as cautious. I think it is definitely something I would consider renewing when the time comes. That's just my initial thoughts.
I appreciate you sharing yours!!