You can probably find a demo pair of Harbeth 40.2's for $12K and use the remaining $8K upgrading your analog system.
What to upgrade to?
I will be retiring at the end of the year or earlier depending on the Covid virus. Anyway I am looking for that last upgrade to my system. I will be looking at either upgrading my analog system or loudspeaker. I have about 10k in a complete turntable and my speakers retailed for 12k about 5 years. Both I could live with in retirement and be quite happy. But I have $15k - $20k to spend if I want to on either upgrading my turntable or speakers. What would you upgrade? Turntable or speakers?