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I think it was easier to justify a couple of years ago and with better exchange rates and a lower price. I probably wouldn't do it now because I think you're right, inside 5 years a streaming service will likely integrate similar functions. Roon have such a head start at the moment on a lot of the difficult stuff and the software is pretty stable, it will take a while for anyone else to compete at a lower price point.
Airhead
I think ~£10/month is OK, there's no way I'm paying for 5+ years up front though. I'd like to think in that time period there will be something equally good or the the streaming services etc sort their apps out, and if they don't I'll carry on buying yearly. I do think having tried it, it's really good, I'm going to dump Spotify and move to Tidal / Roon as it solves a few problems I was having and is just a really nice set up for how I listen to music.
Don't get me wrong, I think your argument is sound @Airhead, I just don't see myself getting invested enough in it to justify the lifetime license !