Looking at best option for 20-25k for DAC Streamer combo

Try to find used CH C1 dac. It is one of the best DACs ever made. 

I vote for the DCS Bartok.  At least in my system (D’Agostino integrated amp and Sabrina X speakers, the Bartok was more revealing and had a better soundstage than the usual suspects in this price point.

the optional headphone amp is good but doesn’t hold up to some of the freestanding options that are also available. IMHO

@kairosman I found the MSB DAC to be more natural sounding, had better separation between instruments and vocals as well as less fatiguing than the Lumin X1.  Only by a small margin, but enough for me to make a change.

Oh yes. I agree, also listen to the Linn Klimax DS Katalyst ($27K). It is a streamer / DAC and sounds amazing. I guess Linn really put a lot into R&D over the last decade. Their digital stuff sounds great.