OP …” I do not want to underspend”.
i recommended separate components for streamer and DAC. Many people believe that the streamer function doesn’t matter… at least as much as the DAC. This is not true. The streamer like a turntable cartridge makes a huge difference. By not underspending, that would be going cheap on the streamer and putting most of your money into the DAC.
….”but will pay up for quality and great sound.”
Ok, in that case I change my recommendation. I recommend the Aurrender W20SE streamer ($22K) and the Berkeley Alpha Reference 3 DAC ($22K). I own the former and have had the latter in my system for a week. Both top notch performers and well worth their price for the sound quality.