Aside from cost, there is also privacy to consider. Subscription home alarm systems don’t fit into my threat model, personally. I focus on hardening physical access points as compared to my neighbors, and good insurance.

Just like how I only need to outrun my hiking buddy instead of trying to outrun the bear, my house simply needs to look like a more challenging target with lower yield than my neighbors. I am not going to get robbed when my neighbor leaves their patio door unlocked with valuables visible through their always-open windows.