I pay for family spotify - we all use it a lot and the Daily Mixes, Release Radar, Discover Weekly playlists are unbeatble. I’ve used Tidal, Deezer, Youtube music before but their playlist creation is nowwhere near as good.
However I do download from Deemix as a backup . For me 128kbp is totally fine for what I need - yes its not the highest quality, but through bluetooth speakers in the car or bluetooth headphones it sounds absolutely fine for me. It might not be CD quality, but its better than broadcast radio, which is perfectly good enough for me.