(Took the week off to do a little skiing...)
Thanks for all the input, much appreciated. To update, I just replaced the preamp-amp interconnects from Signal Silver Resolution to Mogami 2549 Y cables, added a second Pass X150 amp, and vertically bi-amped the SL3's with Canare 4S11 (from Analysis Plus Ovals).
I apologize for the scientific methodological faux pas of changing more than one variable at a time but I'm too old to crawl around making connections multiple times. I'd been planning for this change long before I started questioning the Benchmark DAC.
Result? More. Of everything. Full spectrum improvement and way smoother, very musical. Bass and mid-bass are amazing (I need to dial in my subs: they're too much now), sounds like the bass player is set up in a corner of the room. Highs are maybe a tad rolled off but all there (or maybe just shaded by the fullness in the mids - I need to listen to this for awhile to decide). Not to exaggerate, but the system sounds fundamentally, profoundly different. The Mrs noticed; she's a music lover but not a critical listener.
This is still with the Freya in passive mode. So the only changes were to add more power (bi-amping) and changing speaker cables and interconnects. I'm not a believer in cable magic so I'm hesitant to give those changes much credit. Which I guess means the extra headroom is the difference maker.
Bottom line, I don't have a problem with the Benchmark DAC, at the moment. (I was really leaning toward trying an R2R or one of Schiit''s DACs (reasoning that there has to be some synergies between the Urd cdt and their DACs - as an engineer, that's the way I'd do it.) But now I don't notice the DAC and I'm pretty sure I did before.
I'll spend some time with the system like this. Then maybe I'll do as others have suggested and try the preamp modes I have.