You were gonna cash out your IRA to buy a streamer?? That’s sounds like the worst financial decision of all time... The stocks have not even dropped to the level they were after Trump won the election... Remember after he won the stock market exploded, now it’s barely back to Nov 3rd levels and rising... you only lose money if you panic sell like a fool anyway... They will all be back up higher than ever in a few months anyway..
I would look into getting a Aurender streamer, that was one of the biggest upgrades I ever did. I couldn’t believe how much better everything sounded through it, and I have hundreds of CDs in full WAV format on its internal SSD which sounds amazing and blows away streaming quality, although streaming is very good with qobuz. My only complaint is that it doesn’t come with a remote, you can only control it with the app and it should have come with a basic play/pause skip tracks buttons.