Love Navidrome, it’s one of the best pieces of software in my life. [...]

I kind of feel the same. But I had changed my country of living, and left way to much behind my back. But I wasn't fully on the streaming/physical, I was kind of in the middle. Some stuff physical, and also streaming for some stuff.

As a comment to your post, if everything you have is purchased via Bandcamp, I find their own app pretty reasonable for on-the-go streaming, but they actually recently added their own Subsonic-compatible implementation, [...]

I like the idea, but I'm so afraid of the rug pull that I can't get back on this. I'll keep my music on my drive and live like that for some time. Even knowing that the HDDs are getting pricier by the day I want to keep with me for now on. But I like the idea, give you the files, but also provide the option to stream.