today it is. tomorrow it might not be at all. or it might be $100/mo. or they might decide they need interstitial ads. or only if you use their recommendation engine with preselected 'channels'

the computational requirements to store and play music are so minimal now, I'd rather just take care of it myself

Apple music is lossless from the moment lossless analog signals get imperfectly sampled and chopped into bitly approximations, yes. There must be an alias for the name of that process...

(i love DSP, calm down, but i also like lossless English)