One question should anyone return to this discussion. Can I read and stream on my computer?
Simple answer: yes
Long answer:
1.) Download Adobe Digital Editions 3.0 for windows. When you start up this app, you "Authorize" this app. You can easily do this Anonymously. Exit the program. Windows should now mark this program to be the default for files of type "epub".
2.) Log into the library's e-library system with a web browser, using the username and password (or passcode) given to you by them.
3.) Select a book, click "borrow".
4.) You are given a few choices, Kindle, Read in Browser, or download.
5.) Click "Download epub format".
6.) Acknowledge that you have an authorized app to receive the epub file.
7.) Your browser now downloads a very small file called "xxxx.ascm" to the default download location of your browser.
8.) If windows opens Adobe Digital Editions automatically, that app will download the actual book in .epub form. If it doesn't open automatically, use file manager to navigate to the xxxx.ascm file and click on it.
9.) Read the book!
10.) In Adobe Digital Editions, there is an option for "Return Book". Do that when you are done.