Preamp w/DAC (or Integrated w/DAC) vs. Outboard/External DAC? (Again! Forgive me!)


Please forgive this question if you think it's been answered before. I really have been researching it and am still confused.
Regarding prospective purchases of preamp or integrated amp —total budget about $3-4k.
I am still trying to decide a basic question of tubes vs. solid state.
But, I am *also* stymied by the "external vs. internal DAC" issue. This is the question I'm raising now.
  • Some say "you must get an external DAC because things change so much."
  • Others say, "get an internal DAC, you'll be fine and then can do a pre-out later, if DAC's change."
  • An audiophile friend says, "Even having an internal DAC that you bypass still adds noise, so keep it separate for that reason, too." (He recommends audio-gd DACs.)
  • Because I'm very interested in PS Audio's StellarGainCell (and it has a built in DAC) and I raised the DAC issue with them — I asked, basically, "Why shouldn't I worry about the obsolescence of the DAC in the GainCell Preamp?"
  • PS Audio replied: "It’s true that DAC technology has changed a lot in the last decade and obsolescence has been an issue as the industry has shifted towards streaming….The Gain Cell is compatible with all of the popular formats, like DSD and high rate PCM, so obsolescence is unlikely for what we can foresee. All of the streaming services we’re seeing, even new ones like Qobuz, are doing 24/192 and the Gain Cell is more than capable to handle all of that. While we can’t predict the future, we’re not seeing anything on the horizon that we expect to change this. We haven’t heard of anything that would be game changing and drastically alter this product’s relevance as the Gain Cell can process the file types and sizes we’re seeing with streaming which is increasing in popularity….We’re proud of the design of the Gain Cell’s preamp section, and I think its performance both in the DAC section and the preamp section will have a lot of longevity for years to come."
Any opinions about the general issue?
Any suggested $$ breakdowns for how to spend $3-$4k — how much for preamp, amp, dac, proportionately?
This is a system-building in progress. I'm spending reasonable, similar amounts on other elements but not gobs of money -- e.g. I will not have $5k speakers or a $2k streamer, etc. So if you think I'm over-worrying this question *given my total system's modest profile* you can just tell me straight, "Dude, don't bother worrying about this question. Your system isn't worth it." I'll appreciate that candor, too.

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With those speakers I would get an integrated amp, if it has a dac that's fine if not there are good ones that are fairly inexpensive. The Parasound Hint 6 has the power, a pretty good dac and runs $3000 new. The Vincent 237MK has enough power, tube pre section, an older dac but not bad for $2500. Musical  Fidelity M5si ditto for $2000. If you want something different the NAD C388 with bluOS module has the power you need , dac and built in streamer for $2200. Good luck on whatever you decide.
@djones51 Thanks for your suggestions. What's the background rationale? Is it because the speakers are basically mid-fi and so there's not much reason to push things in the direction I'm going? In other words, an inbuilt DAC in the equipment level we're talking will be just fine and if I ever evolve my system, I can tackle that question later? I don't want to put words in your mouth, so let me know if you've got other rationales for your comment. Thank you!
Actually I was thinking if you moved to a larger room or floorstanders later on these amps  and others like them would work good as well. I have used separates, integrated with and without dacs and I never really noticed a whole lot of difference. As long as you have digital out you can add a different dac later.  Perhaps because I never had expensive speakers except maybe what I have now Joseph Audio  Perspectives and I still use an integrated. Also in my opinion you get more for your money with integrated amps. Just take my advice with a grain of salt just giving you something more to think about which is probably  what you don't want.
No, I appreciate the input. There's the difference in *theory* and in practice, of course. I'm just gotten such vigorous advice to "keep the DAC out" that I'm trying to see how others have faced this issue. 
I do not think DAC tech is changing that fast anymore. Streamer tech is for sure.

An internal DAC is rather convenient considering the shelf space saved, 1 less set of interconnects and power chord. Maybe even better sound from the internal DACs short wiring.

I have been considering the Mola Mola Makua preamp with internal DAC and other cheaper alternatives. Some of these alternative are separate external DACs. However, when I calculated the inclusion of a streamer, preamp, DAC, and wiring. I get close to the cost of the Makua which I believe will offer better sound due to the short internal wiring to the DAC.

BTW - At $6K the Hegel 390 is an Integrated with internal DAC to seriously consider. The older Hegel 360 is going cheaply now.