If I go streamer and DAC will I need a server? As I say, I’m clueless here.
No. If I’m you I’m looking hard at an Innuos Zen Mk3 (or Zenith) as it’s an excellent streamer and you can easily load your CDs into its server’s onboard memory through its own CD slot. Couldn’t be easier. Or, you can mess with separate hard drives, streamers, integrating them, etc. and figure it out on your own. If you don’t like dealing with computer hardware/software issues then Innuos has it all done for you. Best of luck.