Thanks for replies. Still no absolute definitive answer, but I'll go with my instinct with 28837 Hz.
I've played many samples over the years as well, and the only time I had unreliable sample playback was when using AMOS. For whatever reason, AMOS sucks at playing samples, and an intermittent tone change can become apparent (more noticable with higher sample rates). Other than AMOS, I'll say I've had good results with higher rates. The maximum rate that AMOS permits is 28149. And up until now I have always used 28149 as a maximum (outside of AMOS) for all my song rips etc.
I'm not impressed with MP3's at all, so I stay away from them as much as I can. 320KBPS ones are acceptable to me though. They're such a strain on the old 68K processor, so 16bit wav's or aiff's are what I use. With hard drive storage so plentiful these days, I just don't see the point in lossy audio compression.