Same for me. I prefer buying FLACs (or actual CDs) of the music I want to have and keep it on my devices, so there's no future risk of losing it (I do have backup). Plus, streaming requires a working connection, uses more energy, etc... so as you say, it's (very) good for discovery, but has many downsides too.

And actually, I think that in many cases piracy happens because it's the easiest option, not because people wouldn't be willing to pay. But this is a bit off topic ;)