It was a problem I was having a very hard time with, and spent many hours on.
By the time I was done, I understood the problem and how to solve other problems like it.
The class has already moved onto new material which you are expected to know, but you didn't learn the right way to do the previous material.
Come test time, you have to now undo what you learned and relearn it again the correct way, which is above and beyond all the other things you have to do to prepare for an exam. And it assumes you even get your homework back in a remotely timely manner.
Every time I finish a class with a good grade I can only feel proud if I think I really retained the material rather than put it in the regurgitation cycle. Although I don't have Chegg, many of my classmates do. I use it when I get stuck, or or to learn how to do problems that the professor is doing a horrible job of teaching.
Sure, you can use it to "cheat", but that just consists of you copying the answers to finish your homework. I would never use it to copy entire solutions down and pass the work off as my own. If you're using it like a tutor - to help you learn the material - it's not cheating at all.
Yes it can be considered cheating but if you use it to study and there's no other way for you to gain help, by all means go for it.
I went in on an account with a bunch of friends to cut the cost, I would definitely suggest doing that if you're too worried about the price.
TL; DR: I used chegg and can function in society as an engineer.
Excellent example, I think think this mindset really lifts a lot of this weight off.