Lost Paid Digital Games when Cancelled Game Pass Ultimate

I do think it's worth it. I just wanted to add though, if you do sign up for Ultimate, use the time you have pre-paid for with it before you cancel it. If you ever cancel it, and if you still have time forward with the Ultimate program, you will NOT get
that time back or a refund. You just lose it, forever. So make sure you don't have any future months already paid for, for any reason, before you cancel it. When you join, your current Xbox Live and Game Pass that you have running will be automatically converted
to Ultimate. This might give you credit of future months, paid for. Use that before you cancel it, if you ever decided to cancel Ultimate and go back. If you canceled it before you used those pre-paid months, they will be lost forever and you will not get
them converted back to separate Xbox Live and Game Pass on your account. Just a FYI.

It sounds like you signed up for Game Pass Ultimate, if this is the case when you cancelled it you would have lost your Xbox Live Gold as well, since when you sign up to Game Pass Ultimate it combines any Xbox Live Gold and Xbox Game Pass into the one
subscription.

Oh, that makes sense. But now that I have canceled the Xbox Game Pass Ultimate membership (and have been refunded the $1 it took to upgrade it), is the rest of my subscription gone?

If you cancelled ultimate yes, because when you paid the 1$ converted all in ultimate, by cancelling ultimate you are cancelling all subscription because ultimate is the 3 subscriptions in 1.

If you subscribe to Game Pass Ultimate, your remaining Xbox Live converts into Game Pass Ultimate days. If the Game Pass Ultimate has run out you can either carry on with Game Pass Ultimate, or buy Xbox Live on its own. If you cancel Game Pass Ultimate
you lose any pre paid Xbox Live time.

Have you canceled the Game Pass Ultimate? When you did that it will cancel everything, because the gold subscription was converted to Game Pass Ultimate..