I don’t stream, but I suspect from reading other Forum threads on Audiogon and on WhatsBestForum with respect to your general question, that if going with separate units that the source (streamer) is no less important than the DAC. It is essentially the same with listening via CDs which I do. My personal experience in this regard, and what some other members have also found, is that lesser quality transports do not allow the DAC to realize its SQ potential. hard to believe streaming is any different. And, just my further 2 cents for whatever it may be worth, if the DAC isn’t realizing its full potential , or the all in one unit is simply decent it doesn’t matter what the amplifier is; quality of the source matters to overall system SQ. Also, if you go the separates route consider that your budget also needs to cover the cost of additional cables , whatever your view on cables may be, so a higher SQ quality all in one might be something to continue to consider.