@davetheoilguy The SD 3100 HV is T+A’s reference level standalone DAC with streamer, which will save you $3K or so if you don’t need the preamp in the SDV 3100 HV. That said, the preamp in the SDV is a performance equivalent of T+A’s $23K reference preamp, but the SDV has less ins and outs. You may be able to get farther if you were open to trading / selling your preamp and cables and jumping to the SDV instead, but in either way, both the SD and SDV are amongst the best DACs I’ve ever heard. The built in streamers are also very good and approach the quality of my Aurender N30SA (not quite, but close), so you may not even need the Lumin.
I have very limited experience with Nagra, unfortunately. I have a client with the Nagra CD player with a built in DAC (not a higher level one), and it sounds decent. Unfortunately Nagra is a brand that doesn’t appear much at shows, and I haven’t yet had a client trade in a Nagra such that I could demo one. There is also a dealer not too far from me that sells Nagra, so it’s not a brand I can take on. Maybe it’s a good thing that they don’t get traded often, though I also don’t know many people who own their digital equipment. I know the reel to reel and amps are more common.