I'd say the big perk in the way we do things here is being housed. Yes, my stipend is modest, but I'm not paying rent or a mortgage out of it. (We do, in fact, have a mortgage on a place we intend to live in when I retire; but since we don't currently live in it, we rent it out, and the rental income pays the mortgage; which couldn't happen if the church didn't house us).
And not only does that cut out housing expenses, but it also means, because I live on site, I have basically no commute to work; so I'm not wasting hours a week in the car or on public transport, which is not by any means trivial.
No, I'm not complaining. My stipend and package is adequate to allow me to give myself to ministry without needing to spend large amounts of time earning an income elsewhere (which is the point). If anything, I'm complaining about the perception that ministers who do get paid are only in it for the money. Again, if I were motivated by money, I need not have left my previous - potentially much more lucrative - career!
And yes, while I don't practice a strict tithe, giving to the church out of my stipend is a given.