I use Fmod for sounds and music for some years. There you can easily decide what is loaded into memory and what gets streamed from disk.

Meteor Mess 3D:
https://www.meteormess.de
Facebook:
https://www.facebook.com/MeteorMess3D
Twitter:
http://www.twitter.com/MeteorMess3D
Discord:
https://discord.gg/naJJgdMQDV