New to streaming question

Do you use Naim control app on your phone? Cause using Chromecast is not exactly direct streaming. Chromecast is just another way of connection between your phone and streamer and if you using Chromecast the actual streamer in this case is your phone with Qobuz as a source, not your Naim streamer.
In case to get highest resolution you need Naim as a main source and you need to control it with original app installed in your phone or tablet. In this case you don’t need Chromecast at all. Chromecast just working like a Bluetooth. When you stream from your Naim you’ll need to select Ethernet as a connection type and use Qobuz file inside of Naim controlling app on your phone. Don’t use Qobuz app. 

“some things that come through as 24/192 don’t always sound better than 24/96“”

Amen to that. 
Mastering is more important.

“some things that come through as 24/192 don’t always sound better than 24/96“”

My experience also. 192 does nothing to benefit mediocre recordings.

I agree. I find mastering of far greater importance than the actual resolution. Once and a while I will hear a really great recording with great dynamics… so I will check the resolution… frequently it is red book. Not always. 
 

I would pursue figuring out is you are not getting the highest Rez. Why wouldn’t you. But just a note… it may not matter much.