320 is ridiculous, especially when downloading whole albums or singles. The difference is virtually non-existent unless you have REALLY (
really) good sound equipment. And if you claim that you can hear a "HUGE" difference between 192 and 320 then you're most probably fooling yourself
.
Kbps isn't even that much of a determening factor when it comes to quality. I remember someone on another forum made a huge post about what it really means, but I can't remember the whole thing. But for example, my Mp3 of Nanchatte Renai is 192 kbps and is REALLY bad quality (not that it keeps me from listening to it cause I love that song, heh) whereas my mp3 of Tsuugaku Vector is 128 kbps and is way louder/clearer/sharper than Nanchatte.