I know what you mean here. I used to download and meticulously tag my music and listen on an iPod classic. Sure maybe Spotify might not be ideal, but I do not have the time to fiddle around with all that anymore, and especially don’t want to spend tons more time on the computer than I already do. I am the same as you too with the smart speakers and family account too. The alternative is so much more effort, for not a huge amount of benefit.
That being said I have started collecting vinyl, which I do enjoy, but don’t often have the extra money laying around each month to buy more. One day I hope to have a nice dedicated setup for it :)