headphones or speakers can't add the detail that mp3 (or streaming in whatever format) eliminates. Compare a CD and mp3 of the same track with a decent headphone (or a speaker) and you will hear that compression changes sounds.

but it all depends on what kind of music you listen to. For some of today's music even laptop speakers are enough 🤷

That depends: proper Shure IEMs usually do a good job covering ambient noise. Somewhere north of 200 USD you usually get proper in ear monitors… but only if it's from one of the regular professional equipment brands, otherwise you'll probably pay for design or the name and little else.