Streaming apps and IPTV solve different problems, and once you see the split it's easy to decide what you actually need.
Live TV & sports — IPTV wins
Netflix and Disney+ have almost no live television and very limited sport. IPTV is built for it: 30,000+ live channels covering every league, news network and regional broadcaster. If you watch sport, there's no contest.
On-demand libraries — closer than you think
The big draw of the apps is their movie and series catalogues. A quality IPTV service like Evo4K bundles a large VOD library too, so you get much of that catalogue value inside one subscription instead of five.
The money
Stacking Netflix + Disney+ + Prime + a sports package easily tops $60–$80/month. A full IPTV plan is roughly $6.78/month on an annual plan. For most households the savings pay for a year in a couple of months.
Where the apps still win
Netflix and Disney+ own exclusive originals you won't find elsewhere, and their apps are polished. Many people keep one app for the originals and use IPTV for everything live — the best of both.
Verdict
If you mostly binge a couple of exclusive originals, keep one app. If you want live TV, sport and a huge channel range without four separate bills, IPTV is the upgrade — try it free and see how much you can cancel.