one question I have is do you really need MQA in a Budget system that’s only temp? could save some there if you skip the MQA requirement.
Also no one seems to think out side the box here and pairing a streamer like the Oppo and a quality vintage receiver or integrated with some good new’er / used speakers you may get better sound then you think.
I'd at least look in your area if there is an audio shop that caters to the used ie; vintage equipment. you may be surprised what is out there for reasonable money.
if your thinking new, good friend just got a set of Monitor Audio Bronze ( I believe) book shelf speakers, a Mies Audio integrated 50wch ( A/B) and that little integrated sound quite good and even has a descent MM phono section. with plenty of $ room for a streamer for under a grand.
https://www.miesaudio.com/