I believe there's value in appreciating and wanting what you have. Everything changes and what you think is the best one day may change due to many things including learning what you didn't know, changing priorities and curiosity.
Patience isn't my virtue and I'm willing to use the money for convenience. I don't enjoy tweaking like others and my mechanical aptitude for upgrading things like tone arms are an undesirable chore. (to each their own, I'm very critical of my own work versus someone else's)
- Speakers - I own Sonus faber Olympica Nova V and I'm inclined to keep them
- Preamp/Amp - I like my current Mc stuff and would consider upgrading the amps to MC-901 amplifiers or moving to full tube with Audio Research Reference 6 preamplifier and the Reference 160 M amplifiers.
- Turntable - I like my Rega P8 so perhaps a Rega P10 w....I would enjoy the auditioning process for cartridges and phono stages and would consider Rega across the board deck, cartridge and phone state. There are some options including Linn and VPI that make great products and the selection and matching table, arm, cartridge and phone stage is not something I find enjoyable. I like cars and instead of modifying a car to provide the performance I desire - I buy a car that's stock with those characteristics (cost more if I had the skills and knowledge but it gives me peace of mind)
- I have a Moon DAC/Streamer I like and I'd consider other digital front ends including Boulder, DCs and Moon.
I think a great chair would be need such as a Stressless Recliner or two in the sweet spot. Some sound treatments, racking, cables and media storage would round out the remaining funds.
In the end, the person who left me the money could come and haunt me and would appreciate my enjoyment of the inheritance!