Well, it seems my thinking has been flawed. I'm happy I decided to post about this, as I probably would have decided to try the CDT route.
So now having to shift gears, can you guys offer me thoughts on DAC's (would like to stay under $1500) and not opposed to buying used. The Gustard A26 sounds like a possibility, it has a nice assortment of inputs (I do want optical, coaxial, and USB) to keep most future options available.
I also saw the BorderPatrol SE-i DAC looks nice; I like the fact it's made in the USA. But basically priced a bit high for me, also no optical input option.
Open to suggestions.