As my financial situation has gone from a place where I felt I could not really care and still save a healthy amount per month, to a place where I feel it is more necessary for me to try to keep up with my finances I've gone from really liking Spotify to a realization that I've probably spent enough money on spotify over the last 15-ish years to buy a cheap car or quite a sizeable music collection, had I just spent that money on music directly.
I have gotten my money's worth from Spotify for sure, I listen to it a lot and have probably gotten to hear magnitudes more music than if I merely bought an album or something every month instead, but at this point I can't get over the fact that if/when I unsubscribe to Spotify, I will have nothing and will have to spend a lot to get access to the music I actually care about again.
In a sense, I wish there was an audible style subscription for music. Give me the ability to sample music as a replacement for spotify radio, or/and some playlists like discover weekly and a few personalized ones, and a credit to pick something to buy permanently.