You're asking a question that has objective and subjective answers. Objectively, there's no doubt that separates will offer better performance. However, I think you're going to have to step higher up the audio chain than Adcom and B&K to have gear obviously superior to your Onkyo reciever. If and when you upgrade source and speakers, you'll also hear greater differences in amplification upgrades. As to whether it is "worth the switch," well that's the subjective part. Only you know your priorities about where disposable income is best spent.
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