I believe you are getting many recommendations for an integrated amp as opposed to separates because you have stated that you are new to audio and have a $5K budget. A high-end integrated provides good "bang for the buck" and allows a generous amount of your budget to be devoted to speakers and a digital source.
If you can find a used preamp and amp within your budget, then go for it. I prefer separates, but you'll need advice when matching the components. Due to different designs in electronics, certain criteria must be followed when mating a preamp, amp and speakers, such as voltage gain, impedance, current. Not to mention, sometimes a preamp doesn't mate well sonically with a particular amp.
Even the most experienced audiophiles experiment with matching components to find the right synergy.