I like the idea of a combination DAC/streamer but having them separate, or using Roon, makes me feel more comfortable about their future. The thing I worry about is that Tidal/Quboz will fail and other services will take their place and that the streamer software won't be maintained. Currently I use Roon to a Raspberry Pi 4 based streamer to my Mytek.
I would however focus mostly on sound quality. Get a DAC you are in love with, and whether or not it has a streamer attached should be another issue.