I've never downloaded anything from Rhapsody. I sit down and listen to stuff a few hours a week. If I can stream it, the only reason I'd need to own it is to make a copy for the car.

Pros:
There's a lot of stuff there. You won't get bored.
It supports Linux and isn't married to any particular browser or OS, though there are some Windows-only non-necessities.
The search seems to be thorough; there are a few things it's hard to hit (a garage band that exists only on anthologies from marginal labels), but it's a lot better than some other services I've spent time with.

Cons:
Some of the music, especially older stuff (it seems to me), is recorded at a much lower volume than others, so you might have to futz with the volume at unexpected times.
There are some damaged tracks that will cut out in the middle.
In general, it's not the most stable site I've ever been on, but it's not the worst, either. I'm not sure if the bloops are related to spikes in traffic.

These are relatively minor quibbles, and for $13 a month I'm quite happy with it.