I have never tried Libby or Overdrive, though one or both are an option in my area, I believe. I have this vague feeling of unease associated with only having a certain amount of time to listen to the book.

I chose Kobo because they are a smaller company competing with Amazon. They have a subscription where you pay about $15 per month to get 1 credit per month. Since most audiobooks are about $35, it's pretty economical and I feel like I'm supporting the artists, too. Plus, seeing the new credit every month keeps me reading/listening to literature rather than just doomscrolling.

Kobo's selection is very good. The very few times I haven't been able to find a book on Kobo, it is because of some shitty Audible exclusivity problem. I mean, a person is almost compelled to pirate the book in that case, just to punish, in some miniscule way, Audible's anti-consumer, anti-competetive practices.