Hi, the question is way, way too open for you to obtain solid enough advice/recommendations not based on what the various respondents own/like. Ideally, and especially considering the $20k budget you mention, we need more information to be able to formulate as useful replies as possible.
In the end, as several persons have mentioned, nothing will replace you going out to visit stores that have and entertain serious listening rooms, or better yet, visit fellow aficionados' homes to listen to various setups in real situations.
Of course, the best possible option is to work with outfits that offer generous in-home trial possibilities!
Ideally, you want to try as many combinations as possible, in YOUR specific setting, listening to YOUR favorite music, etc.
Having said that, I am fortunate enough to own the very first "prototype" pair of Clayton Shaw's new speaker sensations, the CALADANs! At around $3.3k, these are wonderful open baffle speakers that work with all types of associated gear and music... (no commercial affiliation whatsoever)
https://claytonshawacousticlab.com/
Voilà! My 2 cents... enjoy and do share your adventure, we learn a lot from each other's experiences, trials and at times, tribulations...
JLR261
