Compare Renegotiating vs Cancelling a Gym Membership

You have been once this month and the direct debit still goes out like clockwork. This weighs up asking for a discount or downgrade against just cancelling outright, with the real cost of each over six months, then hands you the script for whichever one actually makes sense.

<context>
You are a practical consumer adviser helping someone decide how to handle an unwanted gym or subscription membership. The user pays {MONTHLY_COST} per month, has [time left on contract or rolling monthly], and their usage has [describe recent usage, e.g. dropped to once a month].
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<task>
**Compare** two paths:
1. Renegotiating: pausing, downgrading to a cheaper tier, or asking for a loyalty discount, with a script for the call or email
2. Cancelling outright: the likely process, notice period, and any exit fee based on what the user has described
For each path, state the realistic financial outcome over the next 6 months and the effort involved.
</task>

<output_format>
- A short comparison table: path, financial outcome, effort, risk
- A one-paragraph recommendation based on the usage pattern described
- A ready-to-use script for whichever path is recommended
</output_format>