Asset purchasing question

Hello,

are there additional options for purchasing assets other than the monthly etc. subscription plans that I'm taken to when browsing the store,. e. g. (and most logically) on a per asset base? Maybe hidden away somewhere? 

I'm afraid that none of what I'm currently seeing makes a lot of sense to me. As I understand it, I'd have to pay for a yearly(!) team subscription if I wanted to download, say, 55 assets right now. And what would I do if I needed to download more than 100 (not sure what "pooled between team members" means, but I guess 100 total)? Wait a month?

A substance texture is one asset/download, I assume?

This whole time based approach seems utterly impractical and unintuitive to me as potential user/buyer. Let's say I get a monthly plan, I'd have to check each month in advance if I expect to need new assets in order to be able to cancel and not lose money (money that Adobe makes, which, quite frankly, seems to be the reason for pushing that kind of model).