I recently signed up for a streaming services again (Apple Music), but I'm being very intentional about how I use it. I'm currently going through the 500 greatest albums ever made, according to Rolling Stone. I don't necessary agree with their rankings, but it's giving me exposure to things I normally wouldn't listen to, gets me out of the algorithms, and feels much better than having it play a bunch of random stuff no one has ever heard of, just to fill the void.
I'm treating the online catalog more like a store, only listening to albums I've added to my library, and deleting ones I don' think I'll listen to again. This has helped avoid falling into the algorithms when overwhelmed from near infinite choice.
It is likely some of the albums I run across in venture will be purchased and added to my local library so I have them and am not only renting. I do want to support things like the iTunes Music Store, because I don't want to end up in a future where the only options for music are streaming and piracy. Since it's DRM free, I don't have an issue buying from there, but I like that I can sample full albums for extended periods of time (as long as I keep paying) via streaming.
From my attempts with YouTube Music and Spotify, the library wasn't really setup well to do what I'm doing, and if I were to get these albums through other means, like the poster who I can only assume is pirating everything now, I wouldn't ever want to delete anything, and my library would be full of junk I'd never listen to.
The most seems to also really glaze over the cost of the setup and storage. I have a NAS at home, and not even counting the initial investment in the hardware, the cloud backup alone costs me $30/month. Assuming a person wants backups, having your own library may not be the money saver it sounds like, depending on the setup.