I have Spotify (serves the whole family), Amazon, Qobuz, YouTube Music (comes with my YouTube Premier subscription), and Apple Music, because. . . Coronavirus. They keep me amused and support the Music industry.
I would say I prefer lossless for upmixing, just in case the compression affects the effects (see what I did there?) of the upmixing algorithm, but the truth is I don’t even worry about that anymore. Good lossy seems to provide a very pleasant upmix, whatever the differences might be.
I don’t worry about the sound anymore. I did ABX before ABX was cool. I know the CODECs and how they performed at various bitrates years ago, and they’ve only improved since then. Assuming the same master, at 160 kbps any difference in sound to me is probably very occasional and less than moving my head three inches in one direction or another, IMHO, and at 192 kbps and up things get even tighter. You’ve really got to try the ABX to get an idea how insignificant the changes may be for you. For me, it’s insignificant if it’s discernible at all.
What does distinguish the services is the road they lead you down for music discovery, the UI, the metadata they provide, the versatility for streaming with various gear, the responsiveness of the search, etc. For all of the above, for me, all of the above services are pretty heavy hitters and provide a very enjoyable and diverse set of experiences.
I don’t use Tidal because of what seems like a bit of a price premium and MQA, and what I perceive as some somewhat deceptive marketing at times, but I do think they put some pressure on the market for lossless streams and high quality masters, so I appreciate that. Credit where credit is due. Still not gonna plunk my money down for it.
Does lossless matter? For me, maybe for upmixing and quality assurance, but as a practical matter, nowadays, really only as compared to services like Sirius/XM, where the sound is obviously degraded (if things have not improved over there recently).