Hi!
Fairly new to Audiogon myself, saw your post and thought I would chime in as I was in your exact same situation myself. After much research, with a limited budget myself, I went the way of a separate streamer/DAC even though my final choice of Amp, a Krell Vanguard Integrated, was available with the option of a built-in DAC, this was a $1500 option. I ended up spending the $1500 on a Cambridge AZURE 851N Streamer/DAC. This combination worked out very well for me and allows me to upgrade my Streamer/DAC in the future, as this technology is advancing quickly. I don't see upgrading my Integrated for a very long time.
Good Luck!