Well, it’s all up to you. If you are struggling to find money to buy a decent DAC, or any kind of audio equipment, then you will surely find all kind of reasons in the Internet not to buy one. Then you (plural) you will be a specialist in posting in all audio forums why those are snake oil. That’s how it works. I have seen it all over again and again.
Including making decisions based on a YouTube video 😂
Bottom line: take care of basic needs first, food to the table, family, housing, kids’ college, and so on. Audio is a hobby. Secondary to all in the grand scheme of things. Discretionary