It doesn’t sound like it would be a great service to pay for given your needs. But keep in mind these are services, saas, there is no expectation that I, as a customer, will take any of it to the grave with me, and I’m not like… unaware of that fact.
What I get in return is a growing library and the ability to listen to just about anything at no additional cost, some nice features like auto playing similar music after an album or playlist ends, and what I consider a perk of not having a physical or digital library to care for to repurpose that time as I see fit.
Sure, it would be a hugely sad day if Spotify fully fucks me, and there’s plenty I don’t like. But that risk is built into my decisioning, and the value is absolutely there.