Why is there not a build your own plan option when you subscribe? I currently have the Adobe Creative Cloud subscription. None of us use more than a handful of these apps. There are currently 2 bundle plans with multiple apps offered at a discounted rate. The slogan for managing your plans is "NAME, find the right plan for you" the right plan for most people using adobe would be to let us bundle all the apps we need for a discounted price.
The App Apps program is the usual program, and is hugely discounted if you consider one product costs $20 per month. The most serious commercial users of Creative Cloud use 3-4 apps, so you are in the normal zone. Only hobbyists regularly use more.
Here is an analogy. If you go to an "all you can eat" buffet, but choose to put only three dishes on your plate, you do not get a discount compared to the person who has 30 dishes.