I think you have to divide it into two components, the transport and the DAC. I had the 95, and certainly preferred my Simaudio Moon Nova to the Oppo, but it was close. I now have a combination of a 103 and a Audio-gd Master 7 DAC. I still prefer the Nova, but the difference is marginal. I suspect that the narrowing of the gap is that I prefer the 1704 DAC's of the Nova and the Master 7.
You might want to try out the 105. If you don't like it, the resale value is pretty good.
You might want to try out the 105. If you don't like it, the resale value is pretty good.