Fast-forward to the end of last year: rd.io shutdown. I've tried a few other services since, each with its own share of problems (I'm currently on Google Music). Now, anything I like, I download. With hard drive space, and backups, it seems significantly simpler to assume that any song can disappear tomorrow.*
* While a service disappearing is a relatively rare event, content churn has always made missing songs a somewhat frequent event. However, for me, rd.io's shutdown emphasized the general incompatibility between the expectations I have for music, (anything I have listened to in the past, I can listen to in the present) and the realities of what a subscription service can deliver. And so, previous annoyances turned into a line in the sand.
Ah I missed the good old days of caching everything locally.
With the ever lowering price of storage, simply syncing my digitized music library to my computing devices offers the best experience.