Physical media is king.
As mentioned, knowing I purchased my LPs’, CDs’, cassettes & 8-tracks, and still use my CDs ! Burned the LPs’ not on cd to cdrs’
Plus the crash scenario, hard drives get corrupted, crash,...and when they crash.
If you have a lot of music, make a copy of it all to a hard drive, maybe 2 of them. Just in case.
It’s a matter of when they crash.
Only downloads I have are a few rare tracks from apple store
majority is all from cd and LP.