I totally get that, I buy physical media too. It’s worth mentioning that I used to torrent but stopped because I share the same concerns.

With Usenet there’s no uploading, just an encrypted connection to a server somewhere that’s hosting the files so I’m not making material available. That’s how you can get in trouble.

My NAS drives are in a RAID config, it’s not bulletproof but if I lose a drive I won’t lose data.