I recently ended my subscription for YNAB after more than half a decade of usage. I was grandfathered into the old price, but they took that away with the most recent price increase, so I could not justify staying.
However, since I have quit, I have not found my habits to have changed. I think some part of the system is permanently burned into my brain. I am exploring my options with hledger, and it's been a neat experience so far.
I think Beancount might actually be better than hledger for the ways I intend to use it, but I wish Beancount was a bit more relaxed with naming conventions and account names/structure.
