If you already own a general purpose computer that you could use for Roon, you might want to try that first before buying a dedicated server or streamer. This will give you a change to familiarize yourself with Roon before making any upgrade decisions.
What is behind recommendations to use a Nucleus only as a server, not with a direct connection? A couple of possibilities:
First, some users like to locate the music server separately from the endpoint(s). This may be a bias held over from the days when computing devices tended to have noisy fans. I have both a Mac Mini and a sonicTransporter music server in the same cabinet with my preamp and power amp. I don't notice any fan noise. Nor does electrical noise seem to be a problem, as far as I can tell.
Second, some users don't like USB connections for music. I've had problems with USB in the past, but this had to do with maintaining the handshake between certain devices, not with sound quality.
The main reason I don't use a direct USB connection from the sonicTransporter is because I allocate the one USB-B port on my streamer/preamp/DAC to the Mac Mini, which hosts digital signal processing applications (BACCH4Mac and HQPlayer) as well as music-management applications. So I only use ethernet to connect the music server to the streamer/preamp/DAC.
Personally, I think the Nucleus is a little overpriced and under-powered. For some people it's a good choice, but I decided the sonicTransporter was just about as simple, a bit cheaper, more powerful, and well supported. Many people consider an inexpensive NUC even more cost-effective. But it can depend on what you want to run and what configurations you prefer, which you may not know yet.
One set up I sometimes use, which works well, is to run HQ Player on the sonicTransporter and feed that directly to the streamer/preamp/DAC via a direct USB connection. I go back and forth between preferring that vs. running BAACH4Mac on the Mac Mini.