I have the high-end Harman-Kardon audio system in my 2020 Ram 2500 Laramie. My bat ears can tell the difference between Sirius-XM, MP3 and WMA Lossless (best format). Too much compression in the MP3...for me. My wife can't tell any difference. Strange that my hearing "improved" from when I entered the USAF and retired, even after constant exposure to loud jet engines.
I use this
PNY memory stick as it is compact/short enough not to easily get bumped or broken off, and fast enough to prevent most digital distortion/clipping when a lot is going on in the music, and memory to hold more than adequate bunch of full range, quality music.
One of my complaints on the H-K audio system in my truck, besides using the audio system as a road noise attenuator, is a band in the mid-high vocal range sounds overly attenuated...until it is cranked up, then all is great IF you like "ringing in the ears" loud music all the time.