Looking at best option for 20-25k for DAC Streamer combo

Oh yes. I agree, also listen to the Linn Klimax DS Katalyst ($27K). It is a streamer / DAC and sounds amazing. I guess Linn really put a lot into R&D over the last decade. Their digital stuff sounds great.

Really like the natural sound of the Aqua Formula DAC (about$15,000), fed by an Innuos Zenith MK3 streamer (about $4,700 with 1TB). Roon capable. 1TB storage is 30% consumed by my loading about 5-600 CD's as WAV files. I'm not running the Innuos Phoenix clocker (probably my next purchase); however, the Innuos "Statement" (around $15,000) includes the clocker. This combo allows my DarTZeel LHC-208 integrated to really shine (using PMC Fact 12 speakers). I can only describe what I'm hearing as organic. Also, the Aqua DACs are upgradeable (before I purchased the Aqua Formula, I had an Aqua Voce S2, which I had upgraded to their S3 version). 

Not mentioned yet is the Cary DMS 800PV. It is a fantastic Streamer/DAC flagship piece. Great sound and fully balanced unit. Coming in at just under $12k at Carydirect.com

As mentioned above, keep the Lumin to stream and add the Chord M-Scaler and Chord DAVE.

I would definitely consider the Cary Audio DMS 700 or the DMS 800 Pro. Very hard to beat. Check out the reviews. It definitely won’t disappoint.