So am I concerned about action against me from the Record industry? Not at all. They should be concerned that I don't buy their music because I don't listen to their music.
Whether or not you get indicted and/or required to pay a big fine is entirely independent of whether you are concerned about the Record industry.
It's your money and your choice, but don't trick yourself into thinking that because you're "good for the music industry" or can rationalize your own actions that that somehow gives you immunity from their lawyers. Too many people who did that have ended up very poor and very angry after being forced to pay ludicrous fines to the record labels.