Cost break down of hifi system

I thought Kenjit was traveling the globe or had been captured by Interpol. Oh well...

Everything is important, but ultimately it's the speakers that give voice to the music.

I would return the XP-12 and get a Hifi Rose SC150.

It's got all the preamp you need and a fine DAC.

It plays local without a network via touchscreen and BT remote.

Cables tone controls?

No, just use lamp cord and 3-dollar Amazon connections like all the big statement systems use. LOL. 

+1 to the recommendations of @hilde45

Speakers and room are a system unto themselves, and the positions of the speakers and listener(s) in the room are part of that. As are any acoustic treatments you add -- and their importance in many rooms is hard to overstate. One cannot get really good sound in many domestic rooms without attention to acoustics. And no, I don’t mean a few shelves of CDs at random depths.

I have not found much value in expensive cables. IME, they act as fixed tone controls. Yet, if you have wide musical tastes, you will find that the tonal balance of recordings varies quite a bit, so cables that work best with recording A aren’t best with B. Some people get on a cycle of gear replacement. If that variation in tonal balance bothers you (as it does me), I suggest considering a good equalizer like the Schiit Loki Max. For the price of one pair of fancy interconnects, you will have flexibility and control. It’s amazing how quickly the desire to change equipment can diminish once you have that control.