With respect, and I truly mean that, why not spend perhaps 5K and take an extended vacation with the rest of the money?
Some of my most rewarding moments listening to music at home, were decades ago, played through a pair of Magnepan MG1's powered by a Yamaha receiver. The enormous amount of joy I was able to derive from that rather humble system is unforgettable.
Of course, I was much younger, so "endgame" was not a concept I could begin to comprehend.