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Yes, because I can always play it from the NAS.

They're the interface.

I’d drop them for other options if they became a bad choice

Yes absolutely, plex is just the player. All the media is still files stored where you want, and you can use another player any time.

>But do you _really_ own all of your media

Yes, 100%. The media is stored locally on your own hard drive. Plex is just the player.