PC gamers are tech savvy. They understand the real danger of running random crack.exe files and pirated software from the internet.
You're not going to get a virus from playing an audio or video file.
The value of services such as Spotify or SiriusXM is really dependent on listening habits. I drive very little, so no matter how cheap SiriusXM offers their service to me, it's still not worth it. And I love their service, too. It's a fantastic service. But it's not something I'm going to pay for.