Thanks for the tips!
I think I have decided on going the Zen Mini mk3 + PSU and Denafrips Pontus II combo. I don’t want to dump a ton of $ into streaming setup at this time since I primarily listen on vinyl, but I think this will be a very solid start. If I want to upgrade in the future, having the separates will make it easier to just swap something out like, say if I wanted to get a Lampizator DAC or something. Just not really wanting to make that kind of investment into it unless I’m spending around 1/2 my listening time with streaming.
I should be able to track down a used Zen mini + PSU for ~$1500 I’d think - just have to wait for a pair to pop up. There's usually a few pontus examples on market used at any one time so that’ll be fairly simple too unless the 12th anniversary one is worth just shelling out the few hundred extra it would cost vs a used pontus II (non 12th).