Excellent feedback & advice, thanks very much to all of you!
I wish only to be digital but I think I have to try and figure out if I even need Roon. Yes, I have used it in the past, and yes, it's a nice feature, but it adds lots of additional costs just to listen to a few songs on Tidal or Qobuz.
Maybe just a good DAC, a decent server that is Roon Ready, the I could always sign up for Roon down the road.