Anyone on this site complaining about the cost of purchasing music should stop right now. When you're willing to spend $10k+ to stream free content you can't really comment on the cost of music when you're not willing to help support the artists that make the music you enjoy.
I'm not sure how a download service would refund a digital download because it's not at the preferred bitrate. I used to have an account with E-music back before streaming services existed. Bought quite a bit over the many years knowing full-well I was getting mp3s up to 320kbps but not CD quality.
As for continuing to purchase digital downloads, I still do but of select artists whose music is out of print or the CD/vinyl format is too expensive. There is a Japanese ambient artist I like whose music is now mostly available via high-res download. On occasion a vinyl copy might pop up for lots of $. If I buy CD or vinyl from the Bleep website I get a complimentary FLAC copy that I download onto my home server, both as a backup but also as a listening convenience factory when I queue up multiple albums to listen to in a session.
I also find that not every streaming service has what I want or is going to keep complete cataloga or specific versions of an album available on their service. I see songs and albums disappear on Spotify all the time.
At the end of the day, chalk your purchase up to the price of listening to your favorite artists. Think of your lower res copy like a vinyl copy that someone on discogs over-rated as M/NM instead of the VG it really is.
