think i figured it out without having to delete my all of my music and start over.
i like the convenience. that's about it. never had spotify and only used the free tier of pandora sparingly.
but i grabbed a couple albums over the weekend, including the new Jilly and I got them all on my phone for off line too. that was easier than downloading a .rar and extracting.
my wife will want to get on this too, so the family plan looks like a win.