If you cancel iTunes subscription do you lose all downloaded music?

Deep down in the legal documents: https://www.apple.com/legal/internet-services/itunes/us/terms.htm l you will find, "When your Paid Subscription to any Service ends, you will lose access to any functionality or Content of that Service that requires a Paid Subscription."

Realize with Apple Music it is a subscription service. You rented the music, you did not buy it. Just like with a car rental, when the subscription ends so does your right to listen to the music.