I’m sure you know then that even Spotify premium subscription sounds inferior to 24bit/96khz. Tidal can be closer to lossless, and Apple Lossless is comparable to Tidal HiFi/MQA (but it depends a lot on the source). I’ve done A/B comparison between Tidal HiFi format of some tracks I was in the mix studio for and heard 1,000 times with the same 24bit/96khz files on USB and it was pretty damn close. Those were stereo 2 channel tracks down-mixed from Dolby Digitial 5.1. The only thing you might lose between streaming formats vs 24/96khz is very quiet sounds like room reverberation or nuances of the violin bow, etc.
The short answer is if you play the Atmos version of INXS Mediate in the car, if you think it doesn’t sound good or not enough bass then there might be something wrong with your car (possibly needing the Butyl tape fix over the driver sidewall).