The disk is always As in always better quality than streaming. Streaming will adopt to the actual internet speed and dynamically change the quality but never above the disk. Often the streaming available is lower not least the sound.
Amen brother, you hit the nail on the head....why keep us exposed to the volatility of our internet access and the third party providers who do not give a ... about the fact that you are using it to stream music and movies. Let's not forget more than 95% of people are happy with mediocre audio/video playback. We are the chosen ones that will spend most of our disposable income on this hobby. Happy Listening as per Roberto!