Sorry you did not get any response here, this forum is usually very good in giving recommendations.
I understand your dilemma, but I have been in your position these last few weeks and I came to the conclusion that separate is the way to go, I hope to get my Rivo next week or the week after, one of the reasons is that I have an okay dac and I have a lifetime Roon subscription, which is one of the main reasons for choosing the Rivo as it is said to sound excellent with Roon, my dac is an older Primare and I have also been eyeing the Lab 12 dac which I expect is a wonderful dac, but that purchase has to wait a fair way into twenty four.
ps. Having separate streamer and dac will give you more flexibility also.
Good luck.