I think of it more as renting, or leasing, than borrowing. Low up front costs along with getting the new features right away have to be balanced against the large up front cost with few free upgrades but a lower cost longer term.
Yes, it may prove to be more expensive in the long run. But maybe not.
The advantage of getting every single program that I could possibly want really helps. I might have trouble justifying Illustrator, or Flash or Acrobat, but they come with the Creative Cloud and I can use them as often or as seldom as I wish.