Something has to amplify the signal coming from the DAC, typically a pre-amp without a DAC and then the amp which drives the speakers. So something like this:
Computer---USB cable---DAC---RCA cable---Pre-amp---RCA (or XLR) cables---Amp---Speakers.
There is no end to what you can spend on a pre-amp, amp, DAC combo but companies like Schiit make affordable components to do just that. I just purchased one of their low end DACs (used) for my higher end system just to give it a try. It has not arrived.
Spotify files are fairly low quality. So in your case I doubt a better DAC than is in your pre-amp is going to help much although I do not have enough experience to say how much bypassing the headphone jack might help. Again, I think a lot of what you may want or need depends on how good the DAC in your pre-amp is. It might be better than many low end external DACs for all I know.
Again, take my answers with a grain of salt, I’m new to all this too. And if I’m talking down to you, my apologies....I don’t know what your experience level is....quite probably higher than mine.