Hi, Lewinskih01!
You bring up two different approaches to system building. One is taking full advantage of modern multichannel DAC chips (8-channel is a common default size) and letting DSP do the heavy lifting. Taking it a bit further, tuning each amp for its own driver, rather than using a AV multichannel amp of marginal quality.
It depends on subjective priorities. Does the speaker need DSP to reach its full potential, and is DAC coloration small change in the overall scheme of things? Can’t say I blame you. Speaker colorations are obvious and gross, and DSP is the most direct and powerful way to attack them.
I have friends who own Altec Duplex 604’s and they don’t like it when I tell them the only way to straighten a 604 Duplex out is DSP ... no physically realizable crossover can fully correct it. Otherwise, you learn to live with the coloration, as Lowther owners do.
DAC coloration ... hoo boy, let’s jump into that rabbit hole, shall we? I feel most audiophiles can barely hear DAC coloration for modern delta-sigma designs ... and measurements are essentially perfect, far exceeding the 44.1/16 Red Book PCM specification. If a modern AKM or ESS converter with a circuit board full of op-amps is perfect for you, you can save big money, and jump on the DSP train with confidence. Do not pass GO, collect your $200, and enter the wonderful world of DSP. Amps built to taste are entirely optional.
Only a few people can hear differences between modern converters, and if you can’t, don't feel bad, you are part of the vast majority of audiophiles. Just buy a $700 Topping or S.M.S.L. and explore DSP. It’s what headphone jocks do these days. No shame in it.
Differences between DACs are weird and extremely subtle, and frankly you have to train to yourself to hear them. I can’t honestly recommend audiophiles go down this rabbit hole. It’s extremely expensive to pursue and full of deliberately confusing technobabble from slick marketers. Maybe not as bad as cables, but still pretty bad. Trust nothing when it comes to DACs, no matter how famous the name, or how glowing the review,
I was shocked and disgusted I could hear what sounded like "big" differences between my antique Monarchy DAC, with its Burr-Brown PCM-63K converters, and the latest confection from the Berkeley DAC (which any Topping will take to the cleaners these days). I also have the exaSound DACs which are ESS based.
I find DAC chasing neither fun nor enjoyable. The best are insanely expensive, and they go obsolete really fast. I might love the $13,500 Mola Mola I heard in the Songer Audio room, but the Mola Mola won’t be worth as much three to five years from now. DACs should be thought of as consumables that depreciate the moment you buy them.
Amps and speakers ... ah, now that is good value. Buy or build a good tube amp (and that certainly includes the $5000 Valhalla from Spatial) and it holds its value indefinitely. Similarly for speakers. The good ones cost more because the parts themselves cost more, and it takes serious design work to make them perform.