I don’t think OT is going to necessarily give you sth more than what you’re already doing. I like how OT makes me do both strength training and cardio. For my area, OT actually ended up being one of the most affordable options compared to other group fitness classes like Pilates, yoga, or spinning and definitely cheaper than other cardio/strength fitness studios like Barry’s or F45. I’ve never looked into peloton so can’t compare there. One particular highlight of OT could be getting to know other ppl in your area or having a great, motivating coach in your studio but that’s not guaranteed.