OP: I've just skimmed this thread. It is not my intent to go off topic. With that said, since you listen to classical music, I thought I'd share the following. (I listen almost exclusively to classical music.)
Classical music lovers often must decide which is more important: performance quality, or audio quality of a recording. I’m not a music scholar, and I’m not hyper-critical of a performance. However, I have no tolerance for poor audio quality.
The availability of true hi-res (e.g., 24bit/192kHz PCM, or DSD) recordings varies by music genre. By “true hi-res” I mean recordings with hi-res provenance, i.e., originally recorded and mastered in hi-res - NOT Redbook CD (16bit/44.1kHz) converted to a FLAC file.
All new classical music recordings are recorded and mastered in hi-res, and almost all are available in a hi-res consumer deliverable (i.e., SACD, Pure Audio Blu-ray, Blu-ray, Ultra HD Blu-ray or hi-res download). And I find that these usually have excellent audio quality, and I enjoy them immensely. Moreover, modern classical recordings almost always offer surround-sound (in addition to a stereo track), and sometimes have hi-def video. Video is essential to ballet and opera (i.e., these are visual art forms in addition to music), and IMO video is very enjoyable for classical concerts. And Blu-ray is capable of displaying an opera’s libretto on the screen, which is extremely useful. And Blu-ray has much greater storage capacity compared with the same size CD disc. (Fewer discs are required to deliver classical box sets.) Bottom line, newer technologies have capabilities that CDs can’t deliver.
My favorite format for classical music is Blu-ray audio/video. (A few Ultra HD Blu-ray videos are becoming available.) My second choice are hi-res audio-only recordings that feature surround-sound (i.e., SACD, Pure Audio Blu-ray). My third choice is stereo 24/96 or 24/192 FLAC downloads.
I'm not a technical expert. My understanding is that hi-res generally cannot be sent though TOSLINK or coax. My understanding is that if you want to use an external DAC to play hi-res recordings (and not have the audio down-sampled), you'd need an HDMI interface. There are a few HDMI DACs, Very few are multi-channel.
FWIW, I use Oppo universal players (UDP-205, BDP-105, or BDP-95) that can decode any digital recording. The Oppo UDP-205 has built-in high-quality multi-channel DACs, "pre-amp" functionality including selectable downmixing (e.g., 7.1, 5.1, 5.0, 2.1, 2.0), bass management (i.e., configurable subwoofer crossover and RCA line-level connection), and remote volume control. You can play any hi-res recording through the Oppo's analog RCA line-level connections. (And you can connect a Chromecast Audio to the Oppo via TOSLINK in order to play streaming services.) I connect vintage tube amps directly to the Oppo. I have one stereo system, two 2.1 systems, and one multi-channel system.
I hope this isn't off topic. I just thought I'd suggest that if you get a player that only plays CDs, you're restricting your choices for classical recordings. And if you're only comparing streaming services with CDs, you not considering state-of-the art audio (and video) technology. I'm not knocking streaming services - I trialed Spotify Premium for several months. Streaming services offer access to an enormous library of music. But IME/IMO there are higher quality ways to enjoy classical recordings.
Hope this helps.