Looks like you have internet-your post.
For a retired person with a love for music and time on their hands
I think Streaming would be very entertaining.
Other costs:
Monthly music provider- about $15 for CD quality or better. Qobuz, Tidal, Amazon
You can still find and play new music for nothing. Spotify and many others.
If you want help finding and sorting your streamed music
you can spend another $15/ month of Roon's Service.
The IFI gear seems to be a deal. As are Topping DACs.
Initial setup is the hurdle. Find someone who streams to help you.
Keep us posted on your progress!!