I heard some pretty incredible active ATC's in the showroom, but of course they were beyond even my wildest high-budget dreams. My Q3 bonus was pathetic, I will not make a purchase until after Q4. In the meantime, I will continue to research. If we consider the NAD C355 or C375 + the B&Ws, that budget is about $1250 to $1650 - which active speakers + preamp are in that price range? I probably won't upgrade the head unit until I have a more firm understanding of which DAC's will re-clock (considering the PS Audio unit now, also the Music Hall 25.2, but don't want to pay for a volume pot I won't use).
Also, thanks for all the help.
And finally, after some sub-woofer research, I have a new understanding of transient response, and I doubt I could get a good quality sound for music from a sub that costs less than $700. This system is music only. Who wants muddy bass?
Still, at $1350 (B&W 685s + $700 sub) I still am not in range of the ATC SCM11s (+/- $1800).