Thanks to ALL of you for your kind and helpful replies!
Truth be told, for last 2 years I almost stopped listening to the music because of lack of understanding what happened wrong and how to change it. You encouraged me enough to try again. :)
I finally decided to get rid of Naim amp & preamp and come back for a while to an old Arcam amp & preamp. Let's see how it sounds now to my ears. There's another question to ask as I've been thinking about a tubed DAC like Lampizator Baltic, but I have no idea if it will be a good match up with Monitor Audio + Arcam, but I also don't know if Arcam will be replaced with something else... Should I buy Lampi and then try to match up a amp to it or the other way around?
@akg_ca thanks, I'll definitely try some of the amps you mentioned.
@zlone specs of my speakers - https://www.monitoraudio.com/en/support/past-products/platinum-ii/platinum-pl100-ii/#specs
@larryi honestly I didn't know before that many people don't like Naim amps. my problem was I asked for suggestions on.. Naim forum. What possibly could go wrong? :-)
@erik_squires yeah, definitely going off was a mistake. I'm not sure though if Arcam and Monitor Audio are extremely neutral - honestly, it's not what I remember from the past, but XLO cables are considered to be fast and detailed so maybe that made a nice combo?
@knotscott it's too bright and too cold, even bass sounds harsh. It lacks of sweetness and warmth. Speaker placement is not an issue, I moved to another house and nothing changed :)