a fourth set of content exclusives and pricing windows to think about instead of just listening to music
Dude, that's what radio is for!
If you just want to "listen to music", get a one of the free or premium radio player apps, pick any genre' and you can listen to practically any real radio station in the world (including, for example, every singe one in Jamaica) as well as a huge number of "Internet-only" choices.
Many of these have great, high-quality curated content. I'm not a "golden ears" so I'm OK with the audio quality of most.
If you're really into a specific artist, there's always certainly a free channel devoted to them, unless they are obscure. If they are obscure, buy their tracks in and support them ferchristsake! Then you can listen to them any time you want. You are doing them any favors streaming them, because they will get tiny payments if any when it comes out in the wash.
One of the days I might take the time to convert my vinyl. Naw, probably not... I just put on KCRW Eclectic 24 in the car, and it calms me between the nice lady saying "now, take the exit to the right" after I've passed the exit... And that's the sum total of my streaming experience.
Oh, yea, I guess I have a subscription service I don't use. I have Amazon Prime. I use it for the free shipping. If there's a movie they have that I really, really want to see, and I can't get it on Netflix or some free channel on Apple TV, I might go to the trouble of AirPlaying it from my Mac. But never used their music streaming.
I'd bet more people are in the opposite position of you. That is, they already have a streaming service that they don't even use.