srw
It's a bit more complicated than that...
That's my feeling too. I want to spend money on buying music, not on expensive hifi equipment. I rarely listen with full attention, but when I do, good enough is good enough.A pal of mine used to work on a hi fi magazine; photographer than than editorial. They did a nice article where they looked at 3 musicians' ( classical, rock, and jazz) stereos. Basically they all had crap stereos but because they all had "a good ear" and were musical they concentrated on the music rather than the sound. They did upgrade each system (to something modest rather than exotica)and of course they could all hear the difference but it was revealing that real musicians seemed less bothered by hi fi than you'd think
Having said that, we do have four different audio setups in the house, plus another one in our flat, plus several radios. And when I bought a pair of speakers to plug into the organ sampling programme I did make sure I got a pair which responded down to the bottom of a 16' organ pipe...