I just got the N200 and love it. I couldn’t justify spending the money on the N20 for the level of my system, a Luxman 590AXII and Harbeth 30.2 speakers, so I would say the same to you, which one matches your system, current or possible future system, better? But if you aren’t going to use it for its server functionality also, you might be better off with a streamer only as you are not benefiting from all it can do.