What are you going to do on your phone in the Uber vs on your phone on your couch when you get home vs your phone on Bart? If you have an important in-person meeting to get to then by all means pay the surcharge but let's be real about how some of us are spending those "saved" minutes.
Thank you for doing the math - we're only talking about 23 of them? it's entirely possible to capitalize on 23 minutes, but seriously, 23 minutes?