After reading this thread I am glad I am not the OP.
No one is reading what this guys goals and limitations are.
At your level you need to sell it all…not upgrade this or that.
You will need a real DAC like a Lampizator or Esoteric or MSB.
Then save up 20-50k for speakers. I would hear a pair of YG acoustics Carmel 2 or go up to a Magico A5.
Your amp will be a Pilium integrated, their small one is only 30k and it is fantastic.