I'll counter the above with my 2c, never in my life have I WANTED to go back and view the footage for a doorbell. So if its stored on Rings servers, I don't care anyway. I don't even pay them, so I don't have the ability to go back. If I want to see what happened at my front door, I'll pull up BI and watch my real camera with 10x better quality
Two way talk has been useful for me quite a number of times, usually its CenterPoint energy coming to do their yearly check of the gas meter, and instead of them attempting to hop my gate or try and get in, I can just let them know to give me a minute and I can open the gate for them remotely. There has also been a few times when I'm back in the garage or something and can't come right away, in that case I can tell whoever it is to hang on a second. I've also hidden packages around the front for UPS to pick up, and then just told the driver on 2 Way talk where it is