I'm in my late 50s and found a solution that worked for me a few years ago. When my ex-wife wanted a divorce (and I conceded), I moved out instead of fighting about who was going to keep the house. I decided at that time to split my collection in half. Mosaics and artists I loved, I would keep the physical Cds. The rest went to numerous public libraries around me (Boston). I know no one really thinks about libraries and they are going out of existence but I felt...
a) As long as public libraries exist, there will be people who use them and
b) If I'm lucky.. long after I'm gone., some teenager will run across my CDs and get the jazz bug.
Obviously, few of us rarely know when we are going to die, but I will probably tell my daughter to do the same when I'm gone.