Value = proper Office suite online and offline with proper document formatting and files + more storage. Altogether cheaper than G Suite. Also it's really great value to have Office installed locally as a proper software. Not a crappy dumbed down browser web-site.
I pay for Gsuite which is $6/mo and extra 100gb of storage, for $8 total. The part that drives me nuts about 0365 is that they don't allow custom email domains below Business 0365 which is $12 a month.
Personal plan doesn't allow you to use custom domain for the email address EXCEPT for 1 domain that is registered with GoDaddy. And you can't share that domain with another account.