Steven,
Also, for what it might be worth...
I use two music-software programs to stream my music -- MusicBee and MusiCHI. MusiCHI loads music files into RAM for playback. I do not know to what extent MusiCHI loads files (whether or not there is a built-in RAM limitation). Thus far, in my setup, I have not noticed any differences in streaming (no stuttering, etc.) between running MusicBee and MusiCHI.
To me, the major advantage to RAM storage is the ability to edit while listening and the ability to retain selected files for playback, if I shut the player down, then start it again.
I hope that I understand this capability correctly.
Best,
Art