Never lost a playlist, but have had music disappear, the service stops streaming that artist.
For me, if it something that I really like, or is important, I buy it.
What bugs me with streaming is that they are always changing something. Tidal has some stuff going on, they are changing all their services, getting rid of all MQA, removing the app from Samsung. On Spotify, playing anything on random, just cycles your favorite songs, it's not random at all. It's good when you are in the mood, but sucks to find new music.