The MA3 is a streamer/DAC but the streamer section is not as good as the DAC, and if it necessitates the use of Roon to stream then as others point out you will need a Roon Core to feed it. As well, Roon software has a great UI, but is not the best sonically.
The Lumin T3 is a streamer/DAC with its own propreitary software so it’s truly a one box and done source, plus it has very good build quality and manufacturer support. Sonically it is resolving and dynamic, but loses out just a bit on soundstage and tonal/textural accuracy compared to the Holo or Denafrips you mentioned - but then again you are saving minimum $2K on a streamer transport.
If you value soundstage and tonal/textural accuracy as must-have primary strengths then really stretch the budget and get either the Holo Audio May "KTE" or the Denafrips Terminator Plus 12th Anniversary AND MAKE SURE YOUR STREAMER TRANSPORT IS HIGH QUALITY (ignore the naysayers, EVERYTHING in a digital source chain counts).
Suggestions for a streamer transport are a Lumin U2 or an Auralic Aires G1.1 - or go all out and get an Aurender N200, the very best streamer transport under 5K IMO.