I've also got about a terabyte of music.

Streaming is useful for me for discovery, not consumption. If I read an online or magazine article that means an artist I want to check out, the fastest way is usually searching for them on Spotify or YouTube Music.

But if I like what I hear and think I'll listen to it again in the future, my next step is to see if the artist is available on Bandcamp with high-quality MP3s/FLACs, or Amazon with AutoRips available. Failing that, I'll purchase the physical album and do the rips myself.

All of the music I listen to is local files or YouTube videos (great for sampling new stuff). The only time I've ever used any of the online streaming services was in an office that had one set up on speakers—and by "used" I mean "listened to what others played", I took one look at the UI and wanted nothing to do with it.

Spotify pretty doesn't have any of kind of music that I want, which is pretty surreal given their marketing. I subsist on YouTube playlists and a Bandcamp account.