Huh? cost's money? what an HDMI cable? you need a computer to download, there are no additional costs. IF you have multiple computers you network them, if you don't it doesn't matter.Your solution costs money. Plex is free and more convenient.
My initial comment was that Plex isn't necessary. Which it isn't.
Suggesting someone Torrents without advising the risks involved is irresponsible. That was the primary reason I responded to your post.. VPN, usenet, adware, Ugly copyright infringement letters... something people should be aware of.
Plex or not to Plex is personal preference....