i have reasonable, not expensive but decent, quality dual driver speakers now, and the difference between mp3/aac audio coding versus flac is really audible to my ears
i'm going to start using youtube as a discovery mechanism but start to accumulate the good stuff on a dedicated storage device
the difference is really acute to my ears, and i did have some three ways a couple years ago, onkyos, with piezo tweeters, mids and a big fat sub... i miss those things... dual is minimal, three way is minimal, IMO for hifi