I’m not sure the price matters so much as a separate steamer matters and seperates tend to be higher end than integrated. But as to why a separate streamer:
1. Tech constantly changes. So it’s a generally better long term proposition to get distinct components, so you can just replace the parts that get outdated. Or break.
2. As far as why a nice streamer sounds better than an integrated:
a isolation from the noise on the network
b isolation from the noise of the streamer itself
c. It’s a dedicated component that does one thing well, with less compromise than in an integrated component
d. A quality streamer will: check data, isolate and organize, and present the data in the best, most digestible, form for the DAC, allowing the DAC to do what it is supposed to do without it having to use resources making corrections or removing junk.
FWIW I use a Lumin U1X, which is not a cheapo streamer but hardly a $20k. You can buy them used for $3-5k all day long. I think they are about $10k new.