And FWIW, I do personal rips when I have to, but I'm also as lazy as the next guy. Best case scenario is I buy a physical disk from the artist directly on Bandcamp which automatically includes a digital version as well. Next best, Amazon albums that include AutoRip. Finally, physical copies from private storefronts or used markets, and I'll do the rip myself.
Not a huge loss, but annoying.
Just get some kind of syncing client so that you can just copy the deltas when you're making backups of backups. Offsite/cloud backup couldn't hurt, either.
Sadly, the list of such sites seems to be shrinking with every passing year, and I've found many artists I'd like to support by buying their stuff, but they only offer streaming options. I've noticed it happens more frequently with artists that have been scooped up by a major label or one of its subsidiaries, unsurprisingly.
also, show me how my monthly subscription is divided up while you're at it.
Alas that's illegal in the UK