Device that plays the USB you made for your car in your home

"I suppose it comes down to how much of a technical DIY person the OP is (morestereostuff)." - I'm (OP) a probably retired electrical engineer and I've played around a bit as a technician/panel builder/circuit board development person post semi retirement and I put together one of the Hagtech Dac kits. 
Main problem is it is sort of like working on cars, yea I can do it but there is no fun in it for me anymore and there are other things I'd like to do. 

Hmm. Haven't checked Hagerman technology and don't even know if Jim is still dabbing with this stuff anymore, he used to be great for kits with paint by the numbers instructions. 

Anyone interested, this looks like it will do the trick Bluesound Node 2i . Haven't ordered one yet so I can't comment further. 

I have a few Sony Blueray players and they all have USB drives and support a wide variety of music files type. They also support 24 bit audio. I use the digital outputs into a DAC but sounds like you want to use the onboard DAC (RCA outputs) which I can't comment on. I will say the quality of the Sony UBP 8000 Mk2 is quite good in terms of build quality, decent power supply etc. I purchase mine recently for $199 on sale. Lower end models will do this as well but generally use a wall wart power supply. Many of these can play SACDs as well. These are not OPPOs but inexpensive and good sounding solutions.  

The Panasonic mentioned upthread is very high quality.