RBC spends at least 250k a year to the AD to be the official collective so there's no way you can say all RBC donations go to players. The big problem with RBC is you have no control over where the NIL goes and they're spending a lot of money on women's sports from what I've heard.
So far as I know all the CC subscriptions go to player deals other than the website and accounting stuff.
I think they're both good. They're all good guys and are helping BYU. The player reports are worth the donation for CC. That's what the insider reports are all about. Players providing reports for NIL.