Dell optiplex desktop or workstation would def be a gpod idea. Both are much quieter than servers - you can get the workstation if you want a xeon chip and ecc memory - otherwise the desktop will likely do what you need.
If Tidal isn't your cup of tea, check out Qobuz - I've had a better experience with it. It doesn't pay artists as well as spotify, but I think it's still more than Spotify (iirc)
I'd say go for the cardo, if you have any buds who you'd ride with, go for a mesh one if you have the budget. Freecom is a good pick if you don't think you'll connect w other riders much 👍
??