CD or Streaming... am I missing out?

CD is great.  You will get about 96 db of dynamic range with it.  No streamer will come close since none will sample at that rate.  However, around 196k of sampling, they sound almost as good as each other to me.  So, any streamer capable of dealing with that rate will be fine.

Streaming is for babies!!! Real men spin vinyl. Put a turntable in your office. 

I would like to share my experience:

There is no difference between playing direct from CD or ripped flac file. I do not feel any difference.

1-If you stream directly from Tidal or Qobuz via wifi instead of using PC and specific music software like ROON, the result is very disappointed. It is necessary to use PC + Software

2- I am using Pioneer N30 streamer connected to Integrated DAC/Amp Hegel 360 and I can taste the same quality as CD player

I have Sonos Faber Olympica iii

From the point of view of cost, if you happen to own thousands of CDs and you don't mind ripping them to a server, all it costs you is time (I did mine while watching TV in the evenings) rather than fees for a music service (I ripped well over 4000 CDs).

OTOH, if you are always wanting to keep up on current music, the services would have an advantage unless you can borrow CDs from your local library to rip.

I use a Cambridge CXN (V2) for streaming and a Sony XA 5400 ES for CD/SACD.  The Sony was a Stereophile A+ component for three years running a few years back.  I have streamed on Spotify but am 99% Tidal which is 16/44 FLAC almost exclusively.
I have about 750 CDs mostly from 10 - 15 years back and longer.  The Tidal CD is about as good as an SACD version played through the Sony.  There are streaming stations in about that same league but will take you some time to audition many to find them..  I short cut the ones I find in the Cambridge app.  Have 20 presets across many genres that are excellent.   For home use Cat 6 or 7 Ethernet if at all possible instead of wi-fi.