A question worth pondering, to be sure. But this is new behavior that has shown up in the past week, playing purchased high res albums that played fine ten days ago! In that time I have added precisely one new album, ripped from CD myself, and that album plays flawlessly (Ripped as AIFF and converted to FLAC) In the process of resetting the X5 to factory default, reformatting the 64gb tf card (twice), removing all cards and rebuilding the library without a card in, flashing it with a fresh fw2.0 and deleting the one new addition to my library (aforementioned home-ripped CD), the problem albums remained unplayable without the horrible stutter effect. I even moved the specific problem albums to a freshly formatted (in the X5 itself) 2gb tf card, and the album was still unplayable. Disc Utility reported no problems with either of the two tf cards used in the tests, and CleanMyDrive was used to "clean upon eject" to remove superfluous Mac OS files.
So for now, I am just going to pretend the problem albums don't exist and listen to files that it can play. I'm done being frustrated for one day. Again, thank you all.