I use libby and have three cards. My county library, my city and a city I used to live in. Between those three I almost constantly have new books to read. I’ve read 19 book so far this year. All of them new release literary fiction and 16 of them through libby. With the right card it is really good. I went from dling 10 books a month to 1 a month so far this year.
I keep my dropouts free ebooks in Dropbox and use moonreader + to read them and sync across devices. Until I lost my library in a hdd failure I had 10k books self hosted with calibre and that was straight forward and worked well. I do also use Google Books for things I buy and like it although it lacks some QoL features of moonreader