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.