I do offload a lot of it, I have my own server, I run my own streaming service(s). But I like keeping my music library offline for scenarios when I don’t have internet available. I don’t really keep my photos all on my phone. Of course, Google would love it if I offloaded all my stuff to their cloud and Google Photos and such, and paid for the privilege instead of hosting everything myself or having an SD card.
I just think 128GB is a pitifully small amount for anyone with any significant amount of media they want to carry.
https://github.com/actualbudget/actual