Ive been using Creative cloud for a while. I think its very good, especially if you have use for multiple applications. Ive tried multiple Lightroom equivalents and certainly for me and my work flow (as a hobbyist) it beats the alternatives. Ive not experienced any bugs/virus' or crashes, but im on the Mac version of the suite.
As to pricing models: subscription is the way of things im afraid. I think there are pros and cons. I certainly would not be paying the $$$$$ to buy each app out right, this way I can use them. With the various offers about and student/teacher pricing the cost is pretty good IMO for what you get.
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