I understand your desire. I have a McIntosh MX122 with a MC462 along with MS500 going into a pair of Focal Stella Utopia EVOs. Using Tidal and Apple. I find for my purposes the MS500 is a terrific buy. The sound is on the Tidal Master albums amazing. You would be hard pressed to find a better sound for the dollars spent.
That being said a separate streamer and DAC would be preferred only if the rest of your system is up to the task of hearing the difference. While my system is very good, I tried some of the best streamers and DACs but the money didn’t sound better actually it sounded more or less the same.
now I did audition Boulder 3000 series combo going through the Wilson XVX and the difference was awesome and unforgettable. So now I am saving up a little over $300,000.00 to get such a system. But for now, my combo is hard to beat at its price point.