A rookie with 10K, seeking advise

Keep what you have. Since you have a DAC in the Denafrips Terminator, one could justify replacing the PS Audio DAC/Integrated....but I would not rank this as a  top priority.

Instead, focus on the power side. The wall outlets and your power cables, perhaps a power supply. I'd sink the full 10K there...but if you are not comfortable going all out on the power side, split it between power and interconnects and isolation.

You've got good components. The journey is in and about bringing the best out of them. You are at a great starting point. Exciting times ahead. All the best. 

@jasonbourne52   My post was your wake up call. : )

@llid2 It is not that their priority is "even higher than speakers and amp"...it is because power is fundamental and foundational and the linkages (synergistically) between components are critical.

The power side will pay dividends, no matter what you do in the future.

The stage you are at lends itself to learning and growing. I would put my focus on that...that is, learning and growing. Incredible results will follow.

+1 @gladmo  (especially your first post)

It's easy to recommend better speakers. As long as you love looking into a dirty, unkempt room (in this specific case with everything else held static).

Take your Wharfedale speakers to any well executed system that is amp appropriate for the Wharfedales and you will be floored. Bring a top end speaker, regardless of spend (again amp appropriate) into your system...the results will speak for themselves.