Finally gave in and tried out Roku3.
I knew Roku streamed movie channels like Netflix, Amazon, Hulu, etc.
But I had no idea it also streamed photos and Apple Lossless Audio Codec (ALAC) files - M4A.
So basically the Roku is like the Apple TV, except better because it has more movie channels and better OS support - Android, iOS, etc, whereas Apple TV only supports iOS.
Netflix - At first the PQ looks like SD, but after a few minutes it becomes HD & much clearer. DD Plus 5.1 is good. Has subtitles.
Amazon: Same as Netflix for PQ & subtitles. DD 5.1 is good.
Music: Excellent SQ (lossless audio) from Android Tablet & iOS (iPhone, iPad).
So now I have both the Apple TV & Roku3, but I will not be using the Apple TV anytime soon because Roku3 rocks.
I will be using Roku3 for both movies and music streaming from now on.