That's not the case almost anywhere though. And you won't be able to access your own stuff without internet either. That's would be very annoying for music, imo.
In my case I am on 1Gbps ingress/egress for ~43 EUR a month and could negotiate a deal for a datacenter level of a link (10Gbps) but I don't want to.
The reason I'll go for 10Gbps router and a 10Gbps switch is because if you put a NAS in your home network then the gigabit speeds will never be achieved again (various reasons, including LAN chatter). And also because I'll buy a 10Gbps-enabled machine and would like to be able to work with the data on my NAS with 1.25GB/s.
I agree that my planned setup is an overkill but I am setting myself up for such a tech overkill setup in all my work endeavours because I want to have a peace of mind for about 10 years -- if at all possible.
I don't think any of us will soon need more than 1.25GB/s ingress/egress anytime soon (unless of course our games are rendered on the cloud and streamed directly to our PCs). And since I am sick and tired of eternal tinkering, I want to go for an ultimate endgame, or at least one that can last me some years in the future.
Quite an investment I admit. But it's long-term. I don't anticipate changing that setup for like 10 years.
As mentioned in a sibling comment, Apple's proposition has cracks and that's unequivocally true. Your usage sounds like an outlier case.
In my case, I have tons and TONS of videos (800GB at this point) so I am pondering the home NAS + 10Gbps router + 10Gbps switch setup. And yeah, I can't use Apple's iCloud for my videos.