I bought a simple spin bike thirdhand. Guy who owned it before me got it from a gym. You twist a knob and it increases pressure on a leather brake. Its built like a tank.
Its great and like you say, if I wanted I could just look up spin videos on youtube for free.
Why would I bother with a Peloton?
The being cooperative thing is the key.
Id be willing to bet my left testicle those that survive an apocalypse are those who work together to grow food, build shelter, etc. and not the goobers who lock themselves in a crate with some beans.