I'm basically looking for a face punch for considering a $45/year anything or a justification that it's worth it. The new auto-sync doesn't sell me, because I don't really mind taking the few minutes it takes now to manually import my transactions and match them up.
For example: today I saw a $59 annual credit card fee come through on YNAB. I immediately called and got this waived. If I was using a free alternative tracking software, such as personal capital or mint, it would not have been as obvious. I use personal capital to keep track of all my account balances in general, but the lack of ability to customize categories, or manage cash easily, or split transactions is a total deal breaker.