I vary endpoints and sources. Having a high quality stand alone DAC is worth every penny paid. Because so many manufacturers are adding a DAC to whatever they make I expect to find one on the next toaster I buy. The side effect is a perceived diminishing importance of the DAC. The fashion on the marketing end is streaming transport DAC combinations and since money follows fashion, I expect a lot of marketing hype telling me why I need such and such. The power supply, processing architecture and analogue stage of a stand alone DAC has a massive impact on the sound. Night and Day differences between manufacturers using the same chip. Paul from PS Audio has a great video explaining this question,why specs are misleading and why the output stage is so important.
https://youtu.be/McoA82-fi9s
https://youtu.be/McoA82-fi9s