loren personally I'd forget i heard anything about rates. if you digitize your plain old cd its 16/44. if you download some high definition stuff its mostly 24/96 with some 24/192. not sure any even is selling any 32 bit stuff, same with DSD. if you have 16/44 material and upsample (which puts bits in where there are none, using some algorithm, it will use up more storage space and may not sound much different. I have 2gb of music and none of it is beyond 16/44. im waiting for the wonder 64 bit system personally. that one will cook your breakfast in the morning as well.
I did what someone above suggested. my local dealer had my speakers (I was going to bring them anyway) and i had him put on his cheapest decent amp and let it fly. I had the ayre qb9 added to provide a "high end" dac for comparison. Not perfect bu you can drive yourself crazy. take your best shot, listen to what you can and dont sweat rates and dont look back.
I did what someone above suggested. my local dealer had my speakers (I was going to bring them anyway) and i had him put on his cheapest decent amp and let it fly. I had the ayre qb9 added to provide a "high end" dac for comparison. Not perfect bu you can drive yourself crazy. take your best shot, listen to what you can and dont sweat rates and dont look back.