Everything you could ever want to know about the Matrix coupled with countless user experiences is here: Matrix X-SPDIF-2 if you have the patience to wade through it.
As to your question, there is no way for us to definitively answer that question beyond what has already been discussed. It really is a situation that requires a home trial in your system. It is not too expensive of a device and they sell rather quickly here in the Marketplace if you find you don’t get enough “value” by adding it.