As stated, my reason is that I was paying Spotify more money for less music and I was unhappy with that. You pointed out yourself that musicians barely get by in the streaming era so I would rather support them on Bandcamp (I know it has it’s own issues) or buying physical media whenever possible rather than pirating. Streaming platforms may make music you want to listen to seemingly affordable and accessible but that’s not the case for everyone. This is my personal experience.
Streaming my own music was the reason I got into self-hosting in the first place and I’ve been satisfied with Navidrome for over a year now. My preference is to stream via an app on my phone but I’ve made accounts for a couple friends and they stream happily on multiple devices using the browser interface.