…at MP3 quality. This is fine if you like that sort of thing. I would note that latency is very important here: it's not going to be nice to play through if it's incurring any significant latency.
Yes, latency is huge. Modern digital audio stacks in consumer OSes are still completely terrible at this. Not that it's an easy problem to solve. But it's pretty hard to beat elections flowing through an analog circuit, when in the digital side you have to: convert analog to digital, run through the kernel to get to user space, run the bits through the RNN, send back to kernel space, convert to analog and finally sen…
Honestly, the only OS that's truly bad at this is Windows. DirectSound is laggy and highly limited in it's capabilities, and even a nice ASIO won't fully alleviate your issues. Your best bet is to get a DAC and hope for the best. Besides that, I've found Linux and MacOS to be very similar in terms of latency, out of the box. However, I've found that tuning Linux with a custom low-latency kernel absolutely destroys CoreAudio's latency. Given that it's something most people won't be doing, I think it's fair to say that both OSes are tied, but I still give the edge to Linux for having a more modular and adaptable sound backend.