Before proceeding with streaming route, I would like to explore the use of the streamer / file server for playing music out of the HDD / SSD.
You don’t need to spend anything to try out streaming. You can install the free Kodi app on your Mac - link. It has add-ons for popular streaming services like Qobuz and Tidal. It also turns your Mac into a UPnP server and renderer so your music library can be accessed by external streamers (assuming your music collection is on your Mac). You can control music playback via the web client or through an app called Yatse (if you have an Android phone). I’ve also streamed YouTube Music from my Android phone to Kodi using an app called BubbleUPnP. On my iOS devices, I use mconnect.