Headphones

There ya go my friend, first result on Google compares all the main streaming services:

https://www.cnet.com/tech/services-and-software/best-music-streaming-service/

My TL;DR is that Spotify is amazing for music discovery but doesn't offer lossless files, the max quality is 320kbps mp3. Other services are not as good for music discovery or have much smaller libraries (Tidal and Qobuz) but offer lossless.

I do believe most people can tell the difference between lossless and 320 kbps. Maybe not on every track, but on familiar music it's easy to tell. You might get the free trial of a music service offering lossless (they all have one month free trials) and set quality at various levels to compare for yourself.