IMO unless you want to rent your music @$20 mo. (Qobuz, etc.) you will need close to your budget just for streaming. I have a $2k Streamer/Dac that I have listened too for less than a full day in 3-4 mos. The problem is NOT the streamer. It is the software and the network. There are too many handshakes which must be made between hard drive, computer, streamer and phone to stream your library from the HD. Roon MAY be the answer. But Qobuz seems to take care of the software issues that choreograph the handshakes. Plus, It lessens the handshakes necessary. This is why many are using the streaming services IMO. This has been my experience as I have attempted to get into streaming.
As such, since you are starting over and getting your footings, I'd suggest a CDP, which often sounds better anyway.
BTW, Glad you made it through the obstacle course. I've been through similar and it isn't a joy ride whatsoever. But it does teach you lessons you will never forget. Having had cancer and looking at possible death for several weeks as a young man, I learned that a lot lot about what is really important in life. I wish you all the best and welcome aboard.
As such, since you are starting over and getting your footings, I'd suggest a CDP, which often sounds better anyway.
BTW, Glad you made it through the obstacle course. I've been through similar and it isn't a joy ride whatsoever. But it does teach you lessons you will never forget. Having had cancer and looking at possible death for several weeks as a young man, I learned that a lot lot about what is really important in life. I wish you all the best and welcome aboard.