I don’t think you should pay for another DAC, but I do think it’s worth it to have direct streaming of Qobuz or Tidal that doesn’t involve a tablet or phone as an intermediary. I have Roon and while it’s OK, I find the overhead of keeping another server, and paying for it as yet another subscription kind of burdensome. If I didn’t have so much music on disk I’d probably give it up for something simpler.
IMHO, you want a little box with Ethernet on one side, and S/PDIF on the other. You could get a combined streamer/DAC, which would improve the digital resolution you can download also.
Here is one example, so I’d say don’t spend more than the ifi Zen streamer.