I have a decent system that I’ve built (and rebuilt) over years and am happy with the sound. Via trial and error the streaming aspect has evolved to a streamer-only device and a DAC, both relatively low-cost (iFi for both, but I also found that a Topping E50 would do a great job; BTW, I’d definitely choose ethernet over wifi). By separating the two I got a streamer with a wide range of service compatibility, and the ability to try different DACs to optimize the analog signal for the rest of my setup (always using a USB DAC for widest range). I’m using Qobuz but not paying the full price (every Black Friday season you can get a better deal on an annual subscription), and I decided to purchase Roon (figuring I’ll live long enough to realize the financial discount of ownership) because it’s the closest thing I can get, right now, to the database system I’d write, myself (I feel it pays for itself in the tree-related connections to artists and music I’d never have heard of, otherwise, as well as its recognition of sub-genres and its hardware optimization and zone coverage). And that’s the "budget way" I’m doing it.
Of course, the benefits are relative to how much you enjoy music; my preference is for having a system I like that can withstand the test of time, and doesn’t come between me and the music/performance. I’ve got what would appear to be an expensive system (other than the streamer & dac) - I grew it because of the sound and design philosophy, not because of any bragging rights - but have paid relatively little because I’ve been patient. If you’re in the last half of your life, I’d suggest you give it a try; it doesn’t have to cost a small fortune.