Coffee, whether from k-cups or any other source, will remain an enjoyable part of my day.
If my memory is right, k-cups from Costco are in the $0.30-0.40 range. My wife and guests use those, I use refillables. I usually drink two 12-oz cups in the morning, the second being a re-use of the grounds from the first cup. I tend to sip on coffee more or less continuously during meetings. On driving trips I like to sip on coffee, maybe because I think it keeps me more alert, but I think my alertness has more to do with the physical action of picking up and setting down the coffee cup. At times I lose my taste for coffee and have none for days or weeks at a time, and I do not notice any effect at all from not having the coffee. Also, I rarely notice any hyper feeling from coffee.
As to cholesterol, I am active to very active in physical activity and my HDL always has been very high and LDL low, with triglyceride on the high side of the normal range, but total cholesterol above the normal range. My doctor says no concern due to the very high HDL. And in 2013 and after heavy training for my bicycle ride around Lake Superior, HDL shot up even higher, LDL went even lower, and triglyceride went down. Serious physical activity appears to have very positive impacts on keeping cholesterol low. Needless to say, I take no statins.
For my age of nearly 69, the guidelines indicate my maximum heart rate is 151 and for exercise the target level for heart rate should not exceed 80% of that, or 121. At 121 I'm not even starting to work out, and a rate of 140-144 is very comfortable for an extended workout (1 hour and longer) with breathing not beginning to get a little labored until heart rate hits about 148. For psychological reasons mostly I think, I do not push my heart rate much above 155, and I am working pretty hard at that rate anyway.
As to perceived mal-effects vs benefits from coffee/caffeine, I listen to my body. That first cup of morning coffee, sun not up yet, everything quiet and peaceful, and writing stuff like this on Hearth.com, all means life is good. C-est la vie!