I use mostly Prime, Tubi and sometimes Pluto. Pluto is the most cumbersome to navigate, IMHO.
As other have said, get a library card. You can get lots of movies and popular series on DVD/Blu-ray shipped from a library consortium to your local branch. Simple as going on line and requesting it. The contact you (text or email) when it’s arrived. Like old school Netflix back when you got the discs shipped to you. But you can keep them for 2 weeks.
many libraries also give a Hoopla and Kanopy subscription
I noticed that about Pluto too. I don’t like its user interface. As you said, it’s cumbersome.