Yes you are. A $300 streamer (IFI or Allo) will be a big upgrade to your computer. After that, return on your $ is limited although I ended up spending the money for an Innous Zenith MK3 and love it.
Do I need a streamer?
Streaming devices, with or without an internal DAC, seem to be very popular these days, so I am wondering if I am missing out on something. I have Audirvana on my iMac that streams Tidal and music from my 8 TB external HD. My iMac resides next to my audio rack and I connect my iMac via an optical cable (Fibbr) to my Aqua LaVoce DAC. It seems to me that my iMac and external HD take the place of a streaming device. Am I missing out on something other than convenience? My external HD was a few hundred bucks and streamers a whole lot more. The sound of my system is fantastic.