Which music provider?

Hi all, Currently I am using Spotify Premium. Which I like because of the large collection of artists and the high bit rate streaming quality. Recently I have been considering switching to another provider, due to the fact I would like recommence owning my own music. My budget is £9.99 a month for music. I have considered Napster. They offer 12 free downloads at 256 bit and unlimited streaming at 128 bit for £10. I think if the streaming rate was 320 I would consider this but at the moment it isn't. Next I considered 7digital. which has mostly higher quality mp3's and a vast selection of music. I guess my question is what provider gets me the most bang for my £10 a month if I am downloading to own? reasonable quality is a must 320 bit mp3 would be good. I have considered using my budget to by used cd's off the bay and then ripping. Any thoughts or suggestions will be great fully received. cheers. Dave