Subtitles are tricky with MST3K (see this post). ShoutFactory has captioned about half the episodes on disc. I suspect most (if not all) streaming services require subtitles for everything submitted to their platforms, but quality can vary. My guess is YouTube is using machine learning to automatically generate subtitles, with predictably disastrous results, especially for something as nuanced as MST.
I, too, am a big advocate for owning episodes, physical or digital; it supports the creators and liberates us from the whims of streaming services, where shows/episodes can vanish anytime.