I saw this thread start, when it started, but decided why even look, the answer is obvious, rip all hard discs to files.
But today, I glanced and saw the thread now has legs, 5 pages, what's going on, so I decided to read the 5 pages.
Lots of interesting stuff that I learned.
I rip all discs in it's native format. My playback is JRiver software/player which has the capability of play back in native format files, I think 200-300 file versions, video/audio, etc.
My cars have USB drives, one car is stereo only and one is 5.1/4.0 and 2.0. I use 32GB thumb drives,17 and counting, color coded with a Google spread sheet of all the music (Band & Album titles) on all the thumb drives. I can access the spread sheet from my phone.
My car surround player (Cambridge CXU) and the stock car players don't play over 96Khz and don't play DSD or DSF files, in this case JRiver has a Reformat Tab, and I just change the file down if needed, takes about less than a minute to re-format to the cars ability.
Most of the time I just don't have time to listen to all the stereo extras in a given box set at home, so I listen to the stereo extras in the car.
I do have a SACD player but took that out of my electronic chain, just wasn't using it.
I still have a Blu Ray player, just because sometimes I get confused when ripping a Blu Ray as there are too many file choices, so I like to look at the menu to decide how I want to rip.
My SACD rips are done using Sonore software and a dedicated OPPO 105. Generally rip as DSD64 with a DSF file.
At home I have the Exasound external MCH DAC that reads all the files from the JRiver player in the native format. From the DAC I am 6 channels (RCA's) out to the 7.1 section in back of AVR.
For me as of this writing I am golden. Ripping all hard discs of any type and playback is actually too simple.
If company's go under like JRiver, or external disc players to PC stop being made I am screwed.
But according to the 5 pages of what I just read, there is the chance that any of us can be screwed if they take away what we are used to.
I have many youngsters in my family that listen to music all the time and it is phone to headphones or Carplay to cars or TV's. Surround is not even a consideration. Equipment to even listen to stereo is a hard sell, let alone surround equipment.