I usually store 1080p high bitrate, I can't see the difference beyond that with my eyesight.

You literally suggested ripping DVDs, that's why they brought up low bitrate. I don't think 2nd hand BRs are that cheap yet.

You can get cheap Blue Ray DVDs, but you gotta keep an eye out for deals. Set up a bot to watch for stuff you like.

lol unless you pirate it’ll never be cheaper than Netflix

It was never gonna be cheaper, hardware costs alone are more expensive. It's about control over your data and a superior experience.