I agree with many contributors here. The point is not about how much money is spent, or can be spent, but how little that can be spent and how that will open up a world that is so enjoyable.
Until around 4 years ago, I avoided streaming in my system. Then I bought a new system and chose streaming as my only listening avenue (I still have an Oppo 105; it rarely gets used, but when it does, it is for watching movies). I find no need to play CDs or other physical media as the sound quality from streaming is so good; it becomes addictive and I've made small sound-quality leaps a long the way with my streaming system and am contemplating going all in because I want to get to what I feel my endgame can be. The pleasure that it brings is a blessing. Please don't wait or wonder, just give it a try. For the cost a CD a month, you'll have access to most of the music in the world. No, the music services may not have everything by every conductor or all of an artists work, but with the sheer amount of music available, you'll be able to explore at will. Good luck in your journey.