The main time I want music is at times when I can't stream: for instance, when travelling, especially when on planes.
I specifically want my own music for when I don't have internet. When I do have internet, I mostly listen to digital radio.
I have no streaming accounts with anyone, except free accounts. I do not have any payment method set up on my Apple account, and I never have in the ~28 years I had the account. I don't pay for wifi or other additional connectivity, either.
I keep a local library of MP3s on my phones, and videos on my set-top computer. I use Foobar for music on my phone, and VLC for video on my STB.
It's a bit odd to me that what was hi-tech is now almost Luddite in its refusal of novelty.
I really don't see how paying subscriptions for access to stuff that I don't own is any kind of improvement.
I like paper books, too. I have many thousands of them.
I think soon (tm) I'll go back. Yes, streaming is convenient, but the algorithm is just unable to recommend me such rare treasures