A combination of things:

I do have a big collection of music going back decades. (ripped from CDs mostly although also acquired from, um, other sources when that first became possible)

I also buy some--more typically individual songs than complete albums--although, to be honest, I'm not especially aggressive or adventurous in terms of finding new music.

So, yeah, I've subscribed to streaming music services. (Rhapsody way back when and Apple Music more recently) and ultimately decided that they weren't subscriptions I was getting my money's worth from especially given that I have access to some things for no additional money. (And I probably have a bias toward owning anything I really like.)

Apple's Music Match may suit you if you want to have anywhere access to your music.

Thanks. Yeah, I'm mostly fine with just having the physical MP3s. I'm often on airplanes or otherwise don't want to consider whether I have inexpensive data network access or not. I actually had Apple Match but canceled it because I wasn't using it (after I matched a number of sub-optimal song version I had initially).