You raise a fair point, but I would also note that you aren’t really locked into their proprietary app. Their app is good, but you could operate the 891 with Roon for library management and use the mechanical remote Simaudio provides (which is really, really nice) to control source and volume. So, you’d not be stuck.
From a performance standpoint, I wonder if you could do materially better with $25k to spend on DAC, preamp, streamer and cables separately. Perhaps, but I’m skeptical. Of course, it becomes an expensive proposition if you might choose to go further upstream down the road. If you are ikely do that, then perhaps go separates now. If you think you’re likely to be done after this, then I personally think it’s a great route. And, I say this as someone who has typically gone the route of more expensive separates.
Regardless - their app is not horrible. Indeed, I found it comparable to others I’ve used in the past like BluOS, Aurender Conductor, Lightning DS, etc., No - it’s not as good as Roon from a UI, but Roon also hasn’t, at least in my experience, sounded as good as the native apps provided by a manufacturer. And, I believe you can actually run Roon as well and switch between MIND and Roon as you see fit.
Best,