Don't just blindly subscribe if you're not sure you'll actually do the courses. That's the most common mistake - people pay and then watch two videos, because real learning is actually work. Better to check out a few free tutorials on YouTube about the same topic first and see if you actually stick with it or if it gets boring after five minutes.
As for the subscriptions themselves: MasterClass looks fancy because of the big names, but the courses are pretty shallow and expensive for what you get. Skillshare is cheaper and has more practical stuff, but a lot of their courses are mediocre too. If you really want to learn, you're usually better off paying for individual courses on specialized platforms - or finding a YouTube channel that covers exactly your topic. Saving money isn't really the core problem with learning anyway, it's whether you have the motivation to actually see it through.
The honest answer: Yeah, you forget a lot if you just passively watch videos. You have to take your own notes, practice yourself, actually do something with it. Then it works, no matter what platform you're on. Without that it's just entertainment, and spending 180 euros on that is a waste.