If I’m unable to afford any further upgrades (am currently in the midst of acquiring new power cords), my modest system is good enough, as is. It draws me into the music. I could live with it just fine.
If possible, I’d like to explore other speakers and after that, DACs. However, my recent, starkly-underwhelming experience with a highly regarded DAC has left me wondering whether I really want to go down that rabbit hole.