Best bang for my buck

@Thelucifer1978:

First of all, I was unfamiliar with MusicBee, so thanks for introducing me to it.

I’m guessing that any bottlenecking from 32 bit to 24 bit will be done automatically either way.
I would recommend you read the last post in the thread I linked, the technical data shared by FxSound’s lead engineer.
I’ve also copy-pasted that full post below - it’s not the first blockquote, but the second, long one.
Because things are actually a bit (pun not intended) more complicated than I thought.
Also keep in mind that these results depend on your audio output devices, your speakers or headphones, and their frequency settings and capabilities.

My apologies if all of this sounds confusing.
Let me be perfectly clear: this is wizardry, and I do not fully understand it myself. I am only resharing what I was told.
In the end, I would advise you to try different settings, and stick to the ones that work best, for you.
MusicBee also has its own forum, with a subsection for questions.