With streaming, who knows? Maybe Netflix loses the rights and it disappears. Maybe their encode is garbage and it ruins the dark scenes. So, I still pay for streaming services but anything I actually care about I download and archive.
That is interesting because it happened to me in the most annoying way possible:
I was watching Donnie Darko, a rather obscure movie that requires (or at least for me required) a bit of brainpower to watch. So I watched the first half of it and planned to watch the remainder the next day. Come the next day, and where is the movie? Nowhere to be found.
(By the way, I know this doesn't actually happen, but I swear Netflix sticks in my bookmarks movies and shows I never bookmarked!)
https://www.radiotimes.com/news/on-demand/2020-07-14/derry-g...
At least, until Steam goes offline, or maybe your account gets lost. I for one still use Steam, but I do wonder if I'll be able to play my favorite games in 20 years.
A plain EXE from itch, GOG, or some other source will work as long as compatible hardware lives on.