If you are into classical music, I would highly recommend SACDs. They are about the same price as CDs, and almost always include a Redbook CD layer so they can play (at CD quality) on any CD player or transport. I play them in native SACD mode where they normally contain 5 channels of Direct Stream Digital (DSD) sound, sometimes with an additional subwoofer channel. (They usually also have a 2-channel DSD version). I do not have a center speaker and the center channel is automatically added to front left and front right by my AV pre-processor.
Over 6,000 SACD titles are available from Presto in the UK, and they also have a streaming service under A$20 a month which allows you to download, avoiding the issue of your streaming service removing the items you want.
The latest CD players I purchased are universal players and play CD, SACD, DVD, BluRay and 4K Ultra BluRay. They output over HDMI, so function as transports, and the DACs are built-in to my AV pre-processor. All 8 DACs handle DSD natively, something to really check for!
I have a very cheap Sony (about A$250) and a Reavon (about A$3,000) which is closer in execution to the famed but no longer available OPPO universal players.
The Reavon has two Burr-Brown DACs, one for CD playback, and one for multi-channel SACD. Unbelievably, SACD is reduced to CD quality when using the internal DACs. I am older than you, but instantly picked the loss of sound quality, which I have not seen mentioned in any review.
There is a cheaper Reavon which plays SACDs but skips the on-board DACs, but I have not used it so can’t comment on playback quality.
I do understand that many on this site will be horrified by my suggestions! No streaming service that I am aware of provides the full resolution of either SACD or 4K. If a recording engineer has gone to the expense and trouble of recording 5 channels, why throw 3 away! And there are newer recordings coming out in more than 5 channels, such as 2L,no and their Atmos sound-only disks (Grammy award winners)