I default to piracy too, but I’m guessing you don’t listen to a lot of new music. The thing a music service offers isn’t just access, it’s discoverability. It didn’t replace my FLAC collection, it expanded it. What it replaced was listening to the radio to find new stuff.
For video I’m more with you. I’m happy to rely on word of mouth. Especially since the streaming services drop movies all the time and discriminate against watching in a browser. Getting a good rip means you can watch it anywhere, anytime, and not have to worry about it disappearing.
Hasta luego, Shoshanna!