Yep you NEED a 192kHz soundcard. There’s two big glaring problems with 96kHz right off the bat
#1 would be the loss in peak control, since your soundcard is removing part of the signal
#2 would be that the side channel audio is going to abruptly stop at a certain frequency so the spectrum balance is going to be dull, and that chopoff could possible cause ringing within the human auditory system as can happen with sudden cutoffs. depends on the song i guess. and in general your highs won’t be as separated and will be more dull than they were intended to be.
and there’s another problems but those are the two huge ones.