Third, have you the 'experience' that more accurate loudspeakers
(I
have just replaced B&W 802d2's with d3's) render such speakers a
virtual necessity where discernment of instruments and voices in
orchestral and ensemble music is sought
I argue their accuracy, but there are a number of speakers which accentuate details in the treble region which enhance the experience. Dali, Golden Ear, Dynaudio, Focal. You should absolutely buy the brand that brings you the greatest joy. If B&W is your happy pill, take 2!
Amps also make a difference. Going to a Luxman made me recover a lot of this information you are talking about. Room acoustics as well.
For B&W make sure you listen on the mid axis instead of the treble.
Again, there are a number of great DACs out which make the difference between high resolution and Redbook disappear.
The last DAC I owned that begged for high resolution files was the ARC DAC 8. The Mytek line, along with top end modern Schiit DACs and others are going to shock you with their Redbook playback.