Well, first, it's not that odd that you have other usage patterns than me or the younger you.

However, cloud services isn't nearly as good as physical access. For me. Let me break it down into a few key areas, to demonstrate:

- data size:
As I said, I have digitalized thirty-something gigabytes with music, with a few leftover CDs that remain to be digitalized. For full access to that, I'd need a 64 GB phone, a 64 GB SD card, or a 40 GB cloud service. 64 GB phone = much more expensive than a 16 GB phone, cloud can be free.

- data sub:
I have the cheapest abo for my usage. I pay about £5 a month for 100 MB data traffic. That's pretty much all used on Android updates. On top of that, I pay for phone usage. That's like £3 for me. I'm not willing to jump on to an much more expensive unlimited data subscription when my phone, after all, only cost me about £3 for the primary task.

- data reception:
I drive about 30 minutes in low traffic, up to an hour in the rush, to work. Parts of that drive is under a mountain wall. I don't even have acceptable local FM radio access there, much less 3G. Pocket held 3G isn't good in cars anywhere, really. Having music in the car, especially in these areas where the radio fails, would be the reason to have music in the phone. Streaming is useless where I need it the most.

- cloud is cloud:
Why take something valuable that should be accessed locally, and trust someone half a world away whose primary interest is to earn money on you to store it for free? Why should I have to trust their security when I can keep it in my own pocket? It's a total waste of bandwidth, energy, power, cell phone battery and really must be like the least effective way to get my music from my storage to my playback device. Which is the phone, that perfectly well can store it. If it has a SD card reader.

A SD card reader is a very simple fix, cloud is like travelling to the moon for sand. It would increase my expenses, administration, risk of failure and at the end there's a whole lot of radiation.