I had an Innuos Zen Mk3 and Innuos Pulsar. I used them in Innuos' preferred optimal arrangement, with the Zen as server and Roon Core and The Pulsar in endpoint mode. They were in different rooms, the link being mostly fibre optic.
I then put the hifi on a separate VPN on my managed Ubiquiti system, again the feed to the hifi being over fibre. It was using Innuos Sense and indexed the same networked SATA drive. Really excellent. I did not use Roon as it was not on the VPN, as I have 9 other Roon zones on the main network. I did not want to buy a second Roon license for the VPN.
As I now use HQ Player, I have a Mac Mini M1 running HQ Player and Roon, hard wired into the managed switch. It helps that Innuos has HQ Player embedded. That's really very good indeed as HQ Player sending DSD to Holo May is a killer combination.
I've not heard a difference between stored and streamed files for many years. My experience is that the network set-up and upsampling is what makes a significant difference.