Why use this over Spotify? I don’t actually own music so is there any advantage for me?

It’s a bit easier to generate them through the iCloud web UI. Although similar to your point, it’s hidden in the account settings section for some reason. It honestly makes me want to use something else. The only thing it has going for it is that it’s included with icloud+

I don’t trust myself to not lose my entire Bitwarden vault in a house fire or failed hard drive

Is this a similar concept to NewPipe?