The best sounding streamer that I ever had was the Bryston BDP3 which had a terrible user experience. For a few hundred less a Melco N100 sounded very close.
Then for around a third of the price of a Melco Cambridge Audio got me about 95% of the sound. Currently using a Wiim Pro for $100 while rehabbing in my basement post knee surgery. It’s maybe 90% sq of the CA.
Worst streamer I ever heard also cost $100.
So my take is budget streamers into a good FAC can get you most of the way to audio heaven. Throwing more money will usually make it better but the asymptote kicks in a lot faster than say for speakers or turntables