Hi-Res Conundrum: Should I Go for 24/192 or Is 24/96 All I Need?

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If I subscribe to Tidal Hi-Fi should I bother with 24-bit/192-kHz playback or is 24/96 all I need?

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https://www.soundandvision.com/content/hi-res-conundrum-should-i-go-24192-or-2496-all-i-need