To me that sounds like coding without version control. Sure you can do it but do you hate yourself that much?

I don't think so! It's been set-and-forget for years. If I find any new music I want to save, just copy it over. If I need the library somewhere outside my home, I can either VPN in or just rsync it to a USB drive. It requires next to no maintenance. Just occasional backups.

My NAS has snapshots to I have everything. If I'm making music I'd want version control but for music someone else made I just want it unchanged.

Anything I was into in 2005 is so played out that I would never listen to it now. I am really the opposite of all this in that I routinely delete my entire music collection to intentionally start over. It forces me to find what is new and interesting.

I lost a ton of indie electronic music from the early days of myspace music in a 2009 hard drive fuckup. I can't imagine doing that willingly, because I still wish I could find some of those hobby musicians again. I do occasionally trim a few gigabytes of music I don't care for anymore, but I regularly listen to most of my collection that sits around 280gb of mainly flac files.

If that works for you, great. But I for one like to listen to music when I'm out and about and don't have access to an NFS mount.

just copy it to an sd card

1. What if I add new music? I have to update every SD card.

2. What if I want more music than is easily carried on an SD card? I have literal TBs of music.

So a TB drive drive doesn't work for you?

it doesn't they can get lost or stolen easily

Jellyfin and a domain name with a dynamic DNS update will do that for you, no problem.

In the house: NFS read-only for desktops and laptops; Owntone to send music to Wiim Mini or stereo receivers (Yamaha, Denon, Marantz, Onkyo -- all of them are compatible).

Outside the house, JellyAmp on phones.

512gb mSD card in a cheap android phone + VLC app works wonders.

I'm the same. For my use case there is little benefit in using those tools, and for security and privacy reasons I don't want to unleash all this software on my computers and network.