I spoke with the Roon guy in Munich earlier this year and he strongly hinted the lifetime plan will be scrapped at some point as they lose money after a while (I guess at the 4 year mark).
The lifetime or annual Roon plan does not give you albums - you still need to either have your music locally or pay for Tidal. Tidal can, of course, be streamed through Roon as a service thus giving (almost) unlimited albums.
Current: [P20] Roon/Tidal > Custom PC> Chevron Paradox NDF16 > Phast Pre > Neuro. 686 > Tannoy Berkley (RFC tweaks)