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Yep exactly, that's what I do too. Download a lossless version and then use Bandcamp if I ever wanted to stream it. However I also host Navidrome (OSS streaming with a web-app) so use that 99.9% of the time I want to stream.

Even if there aren't labels requiring artists to hide or delete music from Bandcamp, you never know if Bandcamp could just go down one day for financial reasons and then you're screwed.

This is the primary use case for Bandcamp for me -- it's one of the main ways I buy new music. I'm not interested in streaming services. Being able to buy (with most of the money going to the artist) and download lossless copies of albums is what I want.

Yep, I download the FLAC and always keep the original zip file, and back it up separately from the files I manage with beets. I playback the beets-managed files with Navidrome.

Beets doesn't maange handle the extra files that the zip often includes, such as PDFs of linear notes, the sheet music I once found included, or band photos. Maybe someday I'll figure out a good archive for everything that isn't "the literal zip file".