Depends entirely upon the board you are doing.
Try doing a simple single sided board with a few LEDs on it, but is 161mm long, you need to pay $1145 to do that in Eagle.
In theory you're absolutely right, in practice there is so much you can do to get where you want to go. Remember this is for hobbieists, so I have no problem sticking two pcb's on a carrierpcb for instance and solder a few shared wires. But yeah if you really need a pcb >160mm you're stuck.
My whole point was that I really like the pricing system. They sell the hobbyist version which is the same as the standard version for $140 instead of $690 that is just over 20% from the original price. A huge 80% discount!
If Arm/Keil or IAR with their Arm dev tools would do that I would buy it this afternoon. But those companies give only max. 40% discount (no commercial usage and no support and 1 year updates only) on packages costing over 2,5k$ so no way a hobbyist will do that (at least not the hobbyist with a normal dayjob).
So you are using Altium designer right? What does that cost for a hobbyist if I may ask, how much % discount do you get for a non commercial version and what are it's restrictions?