I will make one prediction and its we might regret free, over the air broadcasting going away completely. The internet can't do everything, and even satellites can malfunction
I think the stations that will be able to run cost-effectively will remain on the air for some time to come, but with the expectation that 90% of the survivors will be on FM. The powerhouse AMs will be the only ones that will be able to bring in enough revenue to support the electric bill and keeping that nice expensive real estate for the towers. (The other exception might be for those stations serving ethnic communities, although those will likely migrate to FM as station owners decide to sell out.)
The syndicated sports talk networks will also end up migrating to FM along with everything else, and I actually believe that will be part of the eventual move to license translators as standalone FMs as their associated AMs go permanently silent.
I also truly believe (and yes, that is a deliberate and sarcastic choice of words) that there will be an upper limit to how many stations are "saved" by the religious broadcasters. Given that they are dependent on donations from the faithful, that pie can't be cut into too many more pieces, so the revenue will hit a ceiling.
Music stations are likely to go even farther in the direction of syndicated morning shows and voicetracking from co-owned stations in other markets. It's the simple economy of costs. A lot more stations will sign up for national formats or do a "jukebox" format. (Either approach will make it easier to get enough ad revenue to stay afloat.)
I think that, in the smaller markets, there will be a retrench by the group owners and a possibility of increased local ownership. We are already seeing the downsizing of Townsquare as one example, although they seem more focused on taking stations silent than selling them.
I do not think SiriusXM will survive in the long run, and there is zero chance of any new competitor for satellite radio. As far as online streaming, I expect that to align with the remaining FM stations, with a reduction in standalone (Internet-only) "stations".
Of course, as Dennis Miller used to say: These are just my opinions. I could be wrong.