The point here is that we are talking about computer files. Are those files located on a silver disk, a bunch of disk drives, a USB thumb drive, or streamer from a central server through a service like Qobuz it is all the same… but every part has to be done well. A good streamer (there is on in each of these scenarios… as well as a DAC) will buffer the incoming file, provide absolutely quiet power to the circuitry that streams it to the DAC. So, given the current state of technology it only makes sense to put your efforts into choosing a streaming solution… unless you get a real kick out of fiddling with a disk.
My streamer sounds as good as my vinyl… my vinyl rig is very good (see my user ID for my systems). There are many price points that streaming can equal other methods.