Walken
You are not too old. Streaming is incredibly convenient and a way to easily discover new music
You do not have to spend $8000 to get a decent set up. I would heartily recommend a one box solution that has a dac and streamer in it like a LUMIN
I would not consider buying anything that is not a Roon endpoint. You can get a dedicated Roon server from small green computer for under $1000. And I would not suggest any of this if the sound quality wasn’t just terrific. Try setting up an analog front end for under $8000 and that would be challenging
Happy new year