Some people are more musically adventurous than others or they sometimes latch onto a new genre or artist. But the reality is that most of us largely default to what we listened to in school or maybe the decade after. I know I listen to relatively little music created in the past 20 years and don't really care if a streaming service is missing XYZ newish artist.

I actually have quite a large, somewhat curated digital music library and, with a few hundred dollars and a few days of effort, I could probably patch any particular holes I have among songs/albums I especially enjoy, but mostly I use streaming including a lot of curated playlists.