DACed and Confused here...

First, I think you’re underspending on the DAC given the rest of your system, but at your price level and given the rest of your system I’d recommend this used Denafrips Pontus II (and not the RME DAC)…

https://www.usaudiomart.com/details/650046415-denafrips-pontus-ii-in-black/

Second, I also started streaming through my iPad, but there are huge performance gains to be had by adding even a budget streamer so I wouldn’t put that purchase off too long. And if you’re thinking of using the Apple Camera Adapter to feed USB to the DAC don’t. It sucks. Spend a few more bucks on this and you’ll be much better off sound wise…

https://www.lavricables.com/cables/reference-silver-lightning-interconnect-cable-for-oppo-ha-2-centrance-mini-m8/

Last, do a free trial of both Qobuz and Tidal and just pick the one that has more of the music you wanna listen to, but Qobuz has many more hi-res recordings if that’s a concern. Congrats on entering the wonderful world of streaming! Your only regret will be that you didn’t do this years ago.  Hope this helps a little, and best of luck.

I've used the Apple Camera connector for an old iPhone while listening to background internet radio, sounded ok for it's purpose but it recently died. I looked up the Lavri cable you recommend but it doesn't say anywhere if you can power a device through it like the Apple. Can you please clarify? 

@treynolds155 You cannot power the device through the cable, but the sound improvement was well worth that relatively minor sacrifice.