You don't have to. As I mentioned at the start of the thread, I compose, record, mix and master my own music. I know it intimately, listening to it both with studio monitors and studio headphones. The master wave files are 96k, 32-bit. There is, of course, noticeable degradation when rendered to MP3 (less so when rendered to 44.1k, 16-bit for CD). The difference between mp3s at 192k and 128K is very noticeable, and between 192k and something lossless, or even Apple's lossy 328k codec is, similarly very noticeable.