LoyalFans review
LoyalFans separates subscriptions to creator profiles from individually priced purchases. Its fan agreement spells out how those two types of access differ, including what can happen when a creator removes a paid item.
What renews and what you buy separately
A subscription renews for the creator you selected unless it is switched off or another condition in the fan agreement applies. Individually priced messages and pay-per-view items are separate. The agreement also says creators may remove purchases and gives no fixed access period for them. If keeping a file is the deciding factor, Clips4Sale describes a download process for an individual purchase.

Creator checks and co-authored work
LoyalFans asks creators for government-issued photo ID to verify age and identity. Its co-authored content rules require written, informed permission and evidence of identity for participants. If a collaborator already has a creator account, the uploader also tags that account. The creator supplement assigns responsibility for dividing any collaboration revenue to the uploader.
Anabel’s take
I'd use a subscription when I want to follow a creator’s ongoing work. If I'm paying for one item and want to revisit it much later, the agreement's removal clause would make a documented download option more important to me.