@cleeds You'll have no argument from me regarding HD radio.
>>>The truth is that the stream of most radio stations is very lossy mp3 quality.<<<
With all due respect, in some (not all) cases, you are correct, but in many cases, you are not. One of the bigger problems plaguing radio reception these days (AM more than FM) is electrical interference. If you want an extremely clean FM signal, you now have to jump though hoops to capture it. Most LED lighting these days emits RFI that extends into the FM band. Now, for us audiophiles, begin to weigh that factor into the equation. I know I have, when critically listening to the stations I engineer (or have engineered). FM reception these days can be very noisy. That's another reason why OTA audio processing is kept aggressive, to mask that noise. Another factor is FM stereo performance, which at best has a S/N ratio of -65 dB. If the same station has a decent high bandwidth stream, that S/N can be closer to -80 dB, or even -90 dB (if the audio signal path is kept clean). FM stereo reception and performance is not really as "high quality" as it is sometimes portrayed. It may be convenient, but it is rarely a high quality medium these days.