I like Apple Music when I used during the free trial, but the horror stories concerning Apple screwing up your iTunes Library made me conclude it's too risky to sign up for Apple Music. In the old days, I'd feel it's a rare bug, but Apple these days hasn't been as good in squashing out the bugs. I have backups of my iTunes Library but even having a backup can be a big hassle if your Library can screwed up as you wouldn't know which backup to re-install. It could be months before you discover that Apple Music had changed some metadata or whatever in your iTunes Library. I read creating playlists would require using iCloud Music Library. But what if I don't create any more additional playlists once I sign up for Apple Music could I then keep iCloud Music Library off and just use Apple Music to stream music?