One of the reasons I do use steam is because it uses the basic windows filesystem and there are cracks available for just about anything. Even if Steam did have a delete-your-files function I could just grab them from my backups and get going.

Now the windows store, that's more worrying. As for the consoles, they have limited storage and I don't think I can ship my files over to the synology for safekeeping. You are relying on 'just redownload it' as your cold storage but that function isn't actually guaranteed to stick around. The diskless consoles are untenable to me compared to any other option.