This depends on the actual effective SNR that you are achieving with your set up. For example, you can have a pre-amp with a 110 dB SNR, but this is measured with a given voltage amplitude. If the input signal from the music is of lesser voltage, the actual SNR will not be as high. This goes for every part of the electronics chain, btw. But there is good news: according to perceptual research, a 74dB effective SNR was sufficient for transparent human playback of speakers in controlled lab setting. A slightly higher SNR is required was required for headphones(as the headphone blocks some sound externally, allowing for a lower noise floor). Also, most music has far higher noise floor than electronics. An 80dB SNR in actual music recording would be phenomenal, for reference. It should also be noted that most domestic environments have a relatively high noise floor, therefor 74dB would probably be overkill in most of those cases.
-Chris