I’ve been happy with Bandcamp, though they got sold so they’re no longer independent.

But the model is you can stream for free however many times the artist has it set to, and then you’re expected to buy it. Once you buy it, its yours DRM-free forever.

So if you buy an album or two a month, it costs similar to a subscription but you build up a library. After a while, you might find there are months you don’t buy anything, but just listen to what you already bought.