OP,
I guess there could be a philosophical point… but maybe I should explain more… oh, yes, BTW I am 70.
Using the best streaming service costs $14.99 / month and gives you access to millions of albums… over one half million are high resolution. In my system my streamer sounds as good as my vinyl setup. You do not download files. You just locate an album on the Aurender app (for instance) and push play.
So, for the price of on CD per month you get access to a nearly infinite library of Red Book quality or higher music. The service used to be $19.99 / month… it has actually dropped. In addition you have access to thousands of internet radio stations… same incredible quality sound from all over the world… you like Moroccan SCA bands… there is probably one there. More music than you can listen to in your lifetime.
The same streamers usually have internal storage, just in case you want to put your ripped files on there.