I never used Spotify, keep buying CDs, and occasionally MP3 from digital stores.
Still doing the modern version of mix tapes.
Haven't lost anything, and is with a smile I observe kids today being responsible for the revival of portable tape and CD players.
I've used Spotify a little from time to time over the years, but I never got rid of my music files. I have MP3 files around that I encoded in the 90's.