Steve,
The OP appears to be relatively new to this "hobby," at least from a music streaming perspective if nothing else. He, like most people I believe, probably wants to get it as close to "right" the first time; sit back and enjoy the music; and make tweaks from there.
That's been my approach, based on listening experiences with my equipment and setup, along with visits to dealer showrooms to audition various pieces and with help from members of my audio club. I live in the DC area where there's no shortage of truly high-end audio/video dealers. Before I spend thousands of dollars on ANYTHING, I first hear it in my system - or have the option of returning it.
There's is a lot of information and opinions in this thread. I don't agree with it all and I'm sure not everyone agrees with everything that I've shared. That's natural.
Clearly, you have a lot of practical experience and technical expertise in this area. Would you please elaborate on what you mean by the phrase, "More like a load of misinformation?" I can't speak for everyone, but I'd certainly like to know what you are referring to.
Johnnie