I know you said not storing anything on your iPhone & iTunes Gary but I've used iTunes Match for over 5-6 years now.
Nothing/zero is stored on my phone, more than 20,000 albums stored on the cloud. And all my bootleg and private recording stuff (I have a lot of that)... they are obligated to store all of that too including all the artwork I make up myself, doesn't matter if it's on iTunes or not.
$25.00 per year, can't beat it. Again... nothing on the phone or laptop unless you want it to be. So very simple.