My suggestion is go and visit a real high end audio store, one that truly designs and installs high quality music systems so you have a reference point of what is possible and what a good music system actually sounds like in comparison. This way you will know first what a good system is and how good it can sound, and weather you would be interested in investing in a nicer sounding music system. Most people have never heard a good system and have no idea how much better a good system is in comparison to what most people think is good. Granted you can spend a wide range in a high caliber system But you can also spend a reasonable amount on a good system if you know what to look for. Most these high end audio stores have a wide range of price points in systems and there are some exceptional sounding budget gear IF you know what to look for.
Most of the music systems people hear in your best buy type stores are not what audiophiles call high end. Not by a long shot.
The big question is once you hear a good system you will realize that you will actually want to sit and listen to music and not look at it as just background music, it will be something you get a more emotional experience from.
There are keys to designing a good system and it honestly takes years to understand all the complexities of what makes a good system. So unless you have years to learn it all, your best bet is to put your hands in a expert who designs high quality music systems, and figure out what level and budget of system that will best suit your needs. Most people underestimate what they think a good system will cost, don't short change yourself and your budget and think this is good enough. Most people do and end up getting into the high end audio and then spend more money upgrading as their budget and listening taste improve.
But please dont short change yourself and think you don't think you have the ears for it, and that a cheap pair of speakers should be good enough. Go and listen ! Then decide.
Oh and as far as digital music is concerned. Mp3's are not high quality audio. They are just ok for portable devices and even your car with its high noise floor. But listening to Mp3's on a high quality music system is not good and not high quality. Its like going back to standard definition TV. Once you see HD there is no going back right ? Same with cd, or even high resolution music files. We are talking files at LEAST 44.1khz and preferably even higher. Honestly no one is really buying cd players anymore. Most high end digital music systems are done on music servers, with high resolution software and computer based music servers. Often it can be designed with the use of most laptop computers and with a higher quality Digital to Analog Converter. DAC.
You may also be introduced and experience analog playback systems in these high end stores, which might open your eyes to even higher quality music playback. Yes analog is still the preferred playback in high end audio BUT its not for everyone. It is not cheap, it is not easy, and takes much time and patience if you want good sounding analog music.
Kevin
40 years high end audio video specialist