Looking for advice from the Pro's

[Mr Slabi]

I am in the process of renewing my monthly contract with my dnas host and need to lower the bitrate due to cost increases. Here is my question to you all.

My upload is at 135k. I was casting 96k 44,100 stereo, and 24k 22,050 mono and getting the odd skip if I browsed to much. Due to the increased pricing It's a good time to lower the bitrate to solve this problem.
My question is....Is 56k 22,050 stereo worse than 64k 44,100 mono? What in your opinion sounds better?

I am also open to other recomendations as far as a good high low combination goes.

Thanks in advance for your help