If you’re listening to digital music (IE not on vinyl or tape), you will always need a Digital to Analog Converter (DAC).
DACs are on a spectrum of quality… if your Poco phone (sorry I’m not familiar with this brand) has a headphone Jack, then it has a DAC inside, which is probably better than most desktop PCs or laptops, the $10 Apple dongle (lightning or USB-C) is probably a little better, the DAC built into your Sony Bluetooth headphones will be better still, and then the sky is the limit for external dedicated DAC components.
Apple Music, Amazon HD, Tidal, and Qobuz now all offer CD-quality resolution or better, which will sound crisp and very nice for most people, though Qobuz does offer the highest resolution streaming above CD-quality among those services you listed. I think the most important aspects of each of these services to choose from is if they have the songs you want to hear in their library, and if the app interface is easy to use.
A better DAC can still improve some aspects of compressed audio like MP3’s. Think of the hi-res music like a high res photo, and the DAC like the printer machine or projector/enlarger used to transfer the image to paper: ultimately it acts as a filter for the source information. The resolution is important, but the DAC or printer quality can determine how smooth, “vibrant” and window-like realistic the final product will be, or you can have a poor quality DAC or a smear-y poorly calibrated printer with cheap ink.