For the most part, I agree with you. I've kept my huge iPod classic for that very reason, so I can have something other than the radio to listen to in my car. Very recently, I started a trial with Spotify premium on my phone, which allows me to cache some music (up to 3,000ish songs) locally on my phone, so I don't cut into data with streaming. Tentatively, I'm kinda excited about it, mostly because it's much more fluid than my iPod, and I can change what is on my device pretty easily.
That said, the cynic in me is just waiting for that model to crash and burn due to conflict with the RIAA and such. I love streaming, but permanent ownership isn't going anywhere, I think.