I have never actually used a thumb drive,
@Nancy Hart , so I have no personal experience to relate. Bobby has a lot of music that his brother sent him from their father’s record collection, and i think that this is where he stores the music since it is a really large file, and it seems to work fine for him.
The only thing i store on my iPad pretty much is my photos, and they are in the Apple iCloud, but also on Google Photos, and maybe even on Amazon Photos; so I can find pictures when I want to find them.
With my Chromebook, the pictures are on Google Photos, so accessible from there, and I have never paid any kind of storage fee for either google or Amazon photos.
You can get older or reconditioned chromebooks for around $100 , so it would not cost a lot to try one out and use it for things where you do not have to store something on your own device, and then use your older computer just for storing things on for now.
There are lot of good tutorial videos about Chromebooks that will show you what their flexibility is , and help you decide if one would work for you. Even the more expensive ones are under $500, so cheap for a computer or laptop.