First off, sorry to hear of your unfortunate economic situation. If Jaybo's advice doesn't work for you, Dpac996's advice is pretty good. I haven't heard the ARC CD3 but I'm listening to the OPPO 980HD through the Bel Canto DAC2 as I type this. Bill Frisell's "Nashville" sounds great.
Good luck which ever way you go.
Good luck which ever way you go.