Here's a few things that are cheaper!
- Soulseek/Nicotine+
- Usenet Groups
- Libraries (only if your local one has CDs, and often is popular music and no indie stuff) And if you want some album art: MusicBrainz Picard
If you want it on your phone, SD cards are cheaper than ever for big space. Unless you're on iPhone.
My Xiaomi phone for $400 supports up to 1 TB SD cards, so that's pretty sweet.