My set-up is built around the fact that:
a) most streaming services do not contain much, if any, of the music choices I have in my collection
b) if I can have a set-up that allows me to listen to anything from my music collection (23,000+ albums) on an external hard drive at home, via Plexamp for free, why would I pay for a streaming service?
c) My phone can only hold 500gb of music. The external hard drive is 18tb.
Great suggestions from all who have replied & I thank you all for that but the reality is that my current set-up is by far the best I've managed to achieve in all my years of reaching for "my entire record collection available to me from anywhere at any time".
I think that figuring how to enter my password when requested from anywhere at any time, probably from my phone, is the next step.