I see $20 for online play and cloud save (one that don't even work with all games) as a bad thing, because these things shouldn't be paid at all. The music app I don't really see as relevant since it adds no value to the experience you have on Nintendo Switch, don't even know why the fuck that thing needs a subscription to begin with.
Now the problem with both tiers when it comes to the game selection is that it isn't as large and diverse as some people may think, as mentioned before they don't even bother to license some popular third party games to add to the service, and worse than that is that they've been drip feeding their own games for over 5 years. There's no reason why Nintendo couldn't have had most (if not all) of the first party games available on the service from day one. Unless you are someone that only wants to play things the official way I don't see any value in it, not even in terms of convenience.
Also, the DLC thing could have worked much better if they made it something like a free DLC pass for all of their first party games, but instead they decided to offer DLCs only for Splatoon 2 (this one was a weird choice by the way), Mario Kart 8 Deluxe and Animal Crossing, games that if you are already interested you most likely already own their DLCs. I already own the DLC for these games so, yet again, I see no value.