Without giving a financial siminar on the time value of money, it is not economically sound business to pay for a lifetime license. More convenient by a mile, but all other factors would advise one against paying up front.
I'm all ears, sportsfan. I must have a different model calculator than you.
BTW, Trout stamp is not covered by a lifetime. Hope the reason for that is obvious enough.
I tend to worry more about our state lawmakers sneaking dumazz wildlife laws through than ODWC $3 "greed". But that's just me.