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A lot of members are "collectors". A lot want to download all their favorite scenes and cancel. You'll piss those guys off.
I ran my paysites for 5 years streaming-only. I get complaints, but I estimate the amount of complaining members is at or below 1% of my total signups. On top of that, I've only ever issued a handful of refunds for it. I've also never seen one my scenes on a tube or torrent site. Could be that I'm too small for anyone to have ever bothered, but I'd like to think that eliminating all content downloads helped in a small way.
That being said, on my new network I am going to experiment with allowing downloads but throttling the amount of files per day. Some of these niches people really like to collect, and they pay and come back for it.
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