Spotify vs other streaming services

When it comes to audio quality, please be well noted that with the same subscription fee, $9.99 per month, you can get the same 320 kbps quality on both Spotify and Tidal. If you would like to get better quality, you can choose Tidal HiFi to get HiFi audio quality at 14.99 every month.
But if you think 320 kbps is enough, you can use free Spotify account and Spotify Music Converter to download 320 kbps songs from Spotify with ease. Hope it’s useful for you.

??$9.99 a month on Tidal gives you the 16/44 redbook quality streaming, same on Deezer for same price.Well above 320kb service level.
But I guess Quboz will be here very soon so some will see how that works out for them.I ran it on a trial but their rock catalogue is very limited compared to Tidal so I will be sticking with Tidal HiFi for now.

Tidal website states $9.99 for 320 kbps. $19.99 for 1411kbps ( full redbook).  Various other family and student plans 

for some reason Tidal calls their lower quality option "Premium"...

OK I am new to streaming and using Spotify. I use a Music Fidelity V90 DAC so does it matter the quality of the streaming if one is using a separate DAC?