Hi M_Glenn_M
Just a thought, many of the studio folks I know (including me) pay for a Spotify premium account. You can stream most music at 320k and it's really pretty cheap...like 10 bucks a month or somesuch. The advantage is that when clients come in and say "I want to sound like X" I can almost always pull up the track they reference and play it back in near-CD quality. For me it's genuinely worth the expense, I can listen to almost anything at any time for reference material...might be something to look into.
Dean