Dutch & Cutch 8C-good choice.
I'm 69 and have gone the opposite of the $1+ million system, creating a room and system that one can enjoy on a 10' wide sofa, standing, laying down on the floor. It is the speaker that accomplishes most of that, the Von Schweikert VR9 SE Mk2. I will never downsize and upsized just 5 years ago which helped store my 3,000 books and 18,000 of my 61,100 recordings (not in the usual living areas).
A two way monitor with out of the way powered subs would provide a potentially great sound with superior imaging. So many to choose from. Used high end integrated and a small great sounding Topping D70s DAC and equally low cost streamer can provide you with ample digital music (although I prefer CDs, and a small, inexpensive Shanling ET3 transport would be great).