Where I live and my particular lifestyle always has me within range of access to the internet with the devices that I use to stream music. After countless testing, I simply can't hear a difference between a higher quality lossy and even a hi resolution file. Music subscription services are perfect for me and I don't really need anything else at this time. I have a closet full of home servers and Squeezebox devices that are gathering dust now. I still have the option available to me to download songs or playlists to my devices to take with me, but I have never done this in several years now.
I stream just about any music that is out there, and anything that is not available to stream, I can purchase the music on a CD, rip it, and upload it to be available like any other available streaming song. I enjoy having the ability to play nearly anything that my heart desires, and if I stumble upon a gem during a listening session, I can instantly add it to my library to be enjoyed again.
Right now, Google Music is my streamer of choice, and I finally found a way to extract the artist and album list from my library so that I can use this data to build my library on anything new or better that comes around later. I pay a grandfathered $7.99/month. I still purchase 1-2 CDs each month, on average. I rip them, upload them to Google, and put the CD away. I don't even bother archiving to FLAC anymore. The music from the CD is instantly available on my home player, my office setup, and on my phones, tablets, laptops, and basically any device with access to the internet with a browser. The streaming solutions are just an incredible value. Why anyone that claims to love music would make a sacrifice to not have at least one of these services is a mystery to me.