Some interesting points, I'll answer from my own experience with google music:
only we talk for sdhc not micro which is always smaller in capasity and the speed is worse
The speed is not at issue - I'm not sure how speed would become a factor for playing music files? The playback for music cached to a slow microSD card begins immediately when you press play, so what do you mean about speed?
and from price perfomance cf is unbeatable
usb have risen to 128giga
so there are posibilities apart a hard drive
or cloud
For music playback, where speed is not the critical factor, I think price per storage becomes more important, so I think the price of microSD is better than CF for a given capacity, especially when you find that CF is not readable by a lot of devices now and in the future - investing in CF seems to me as a backward step, not future-looking. If you get a new cell phone next year, it won't fit a CF card.
cloud means connection to net
and second you pay by the year so the cheaper is under question
how much per year for the cloud
Free. You can use the cloud without using the network, by initially uploading 20,000 of your music files to google music for free using your computer using a wired/LAN connection. then, connect to the network on your phone using WiFi while you are still at home, and cache what you can fit on the phone to fill up your microSD card. Then, you can play all of that "cloud" music wherever you go, without ever using the network. So in this case, he can use 32GB of his collection of 75GB at a time, nearly half his collection at once.
It just gets better when he turns on mobile/3G/4G/LTE networking on the phone to access everything, or waits and gets a new phone that supports microSDXC cards to fit all the music. You also can configure google music to limit itself to only use WiFi, to avoid any network charges. However, I have unlimited network access through Sprint cell phone provider, so I can access all my collection whereever, but I find that most of my music is already cached to my phone and there is no streaming involved, unless I find an obscure song I haven't listened to. But I like that I have the choice, I can get any song in my collection whenever I want. Even I played some children's song for my daughter, never thought I would do that and I hadn't planned ahead, but with google music on the cloud I just pulled it up very easily. Now it's cached on my phone too.
and how much to acces it by a cell phone will cost per year???
over here mobile internet is expensive do not know how much it cost over there
Yes, I sympathize, and you can make google music to never use your mobile internet, making sure you only stream music when on Wifi, and once you listen to it, it is saved on your phone so you can keep listening to it after that. Or, you can ask the phone to cache the music ahead of time.
so it's still a good idea, even if 1) you don't have mobile internet, and 2) your phone can't store your entire music collection at the same time, because you can pre-cache the music on the phone, and phones get bigger memory. But, if you have mobile internet, even better, as you can listen to all your music everywhere.
My own experience was pretty liberating, and google music lets you keep 20,000 songs for free, and their limit is based on the number of songs, not the total file size. If you exceed that, you just pay some fee. right now I'm using it for free as I only had around 7,000 songs to put on. But I'm so happy of not having to deal with the tired hassle when I buy new music, because I don't have add it to my hard drive, then back it up, then synch it to my phone and other MP3 players, etc. etc. You just buy it, put it on google, and play anywhere.
I just think that it's so nice to dock my phone in my car and listen through the car sound system, that's the future as cars are now coming with built-in controls to control the phone playback! Also, another killer feature is listening to audiobooks, podcasts, or other internet audio in the car.
If you get just a hard drive, it's a pain in the butt to keep uploading new fresh content each week when the new podcast comes out or you get a new book. Unlike music, that audio stuff gets stale quick and you don't just keep it around to listen to again. So that alone would make me hesitant to invest in a hard drive system, unless it somehow interfaces with your phone or can update itself without needing the hassle of synchronizing all the audio files over and over again as that gets old.