Prime time shows On Demand don't usually allow us to fast forward but they don't always have as long or as many commercials as if they are shown in real time. We DVR everything we watch regularly but every so often you'll have things mess it up like impromptu political speeches, weather alerts, extreme breaking news, award shows going over, etc.
My husband does have CBS All-Access because of the Star Trek show (and now we're catching up on past Survivor seasons not available on Amazon Prime) but my husband doesn't pay for the commercial-free version.....it's quite annoying honestly to see the SAME EXACT CHANTIX commercial with Ray Liotta and whatnot. We just mute the TV for the commercials. But yes it saves money there..$48 per year vs the commercial free option.
We do watch live tv from time to time though when we're not in the mood to watch a recorded show, a movie on the premium channels (HBO, Starz, etc), or something on Amazon Prime or Netflix.