I've done most of this including the downloading.
For me there is a big gulf between the legal and the moral.
Remember the old iPods which cost about $500 and could hold 20,000 songs? At one dollar per song on iTunes that would be ... $20,000 to fill your iPod. Anybody know anybody who did that? No, me neither. Where did Jobs and Co think you were going to get the songs?
This does not make it legal to download or rip content.
Paying for an overseas streaming service and breaking the terms of service isn't illegal.
Maybe if you haven't been convicted you haven't done anything wrong? There are plenty of politicians who and corporations which would say exactly that.
It seems to be slowly dawning that YouTube is the biggest violator of copyright that there is. Larry Page is on record saying he doesn't believe in intellectual property rights, other peoples anyway.
At the end of the day I guess the moral position is a personal thing. The legal is about getting caught or not.
Me? I try to behave better than the corporations and politicians who take my money and call me names; but not that much better.