RichM if you have a good set up with good sound there’s a big difference. At best streaming services push about 20 mbps, and that’s with Apple TV, 4K Blu rays go up to 80 mbps so there’s quite a difference when it comes to compression.
I also just like collecting them movies. But with the sound especially there is a big difference with lossy sound on streaming and HD on disc in my 7 speaker surround set up.