Bossa, thanks for the clarifications. I thought that streaming was part of the picture for you, but I guess not. I still think that your choice of DAC is a very important decision. I have never heard any of the Esoteric DACs myself, but I have read online that at least one enthusiastic Esoteric fan prefers the new DirectStream Mk2 DAC to the DAC in the more expensive ($20K) Esoteric N-01XD streamer/DAC. His comments focus on greater resolution, clarity, and openness with the DS Mk2. Of course, this is just one user, and the N-05XD may sound different.
Regarding the Innuos Sense app, I have never tried to include files from external drives in playlists. I have experienced no problems in creating playlists that combine files streamed from Qobuz and files stored on the Zen's internal hard drive. I do hear from other users that Roon has a more elaborate file management system than Sense does and can be used with Innuos gear (though perhaps with a slight drop off in sound quality).
I would still recommend a stand-alone DAC, as several others have recommended. Many people simply think it's a bad idea to combine a noisy streamer/display screen in the same box as a DAC. Since you don't want a streamer anyway, why pay for one? Good luck in your search for the right decision for you.