You can easily download flac/mp3 and sometimes even wav files via the typical filesharing programs once you find something you like. I don't care about having the actual file on my device anymore. Years ago? Yeah, I had hard drives full of mp3's and stacks of burned cds and dvds. Rarely am I in any place in which I cannot access Spotify, even when way out in the countryside. I can't even tell you the last time I listened to a CD... and the only time I ever really listen to mp3/flac/wav is when I DJ. When I'm at home chillin' or in my car driving around, it's 100% Spotify.
IMO the price you pay for Spotify is very much worth it, even if you're just paying for a single account at $10/month. If you go for a 'family' plan it's what... $2.50 per person, per month? $120/year might sound like a lot of money but it really isn't. Most people piss away way more than $10/month on random crap like coffee, soda, water, candy, cigarettes, weed, beer, etc. Also, one thing to note is that the audio quality for the free version of Spotify is less than that of the paid version. At home I listen to my music on some pretty nice JBL studio monitors with a matching sub and I have no complaints about the sound quality at all. It's leagues better than listening to the same track on YouTube.