I have been on Biologics for 8 years and was resistant for around 5 years previous for some of the reasons you mentioned. However 8 years later I am better, have had no side effects from the biologics and managed to survive Covid 19, although it sucked for a couple days.
As far as the cost- Remicade is/was covered under every insurance plan I have had the last 8 years through 3 or 4 different insurers, with minimal copays. There is secondary insurance for it that (1) pays what the primary insurance doesn't pay and (2) counts towards your deductible as payment by a third party on your behalf. So that you actually get a financial bonus of sorts by being on Remicade. The secondary insurance is provided through the manufacturer and and is administered by Janssen.
Those payments mostly were what chewed up my $5000 annual deductible with maybe $500 out of pocket from me at the very most under any plan. That's called a $4500 windfall, or you can call it the Remicade bonus if you wish. Probably better than the bonus I will get from my employer although since I received an unrequested raise a couple weeks ago, I should probably shut up. On that.