Read file from flash. Decode. Play.
Modern wifi is surprisingly efficient and shouldn't make much of a dent on a laptop-like device.
There doesn't need to be much of a difference. Decoding encryption is no good excuse to bump it up to multi-GHz range -- even at high quality, compressed music comes at no more than a few dozen kilobytes per second. That is nothing.
Unless the application is pre-caching entire albums, encryption & decode aren't a good excuse.
Portability has nothing to do with it either. mpg123 runs on lots of systems. "I must run on Linux so I use 3.5GHz on Windows!" said no application. Ever.