Oldfart
FRF Addict
256kbps is decent. I try to rip at at least that or 320kbps from iTunes. 128 is about the minimum, but some playback software can even make those sound decent. FLAC files will be lossless/uncompressed, so better but also much bigger files.
So it sounds like I'm better off just ripping the CD's I have instead of using the free downloads I got when I bought the cd's. Thanks to all of you for your help. Some of the Google info is pretty hard to decipher unless you already are familiar with some of this.