price point to move to separates vs integrated

Hi,
I have spoken to different dealers about the most effective way to spend my money on amplification and have gotten different views. (I know opinions are like elbows, everyone has one, or two...).

One fellow said something along the lines of: as soon as you can afford low end separates you should go that route over a more expensive integrated due to the interactions in the same chassis.

Another suggests still going integrated at $6K.

I realize my ears are the final deciding point but the grey stuff between them is longing for a more concrete set of guidelines.

Thanks for your thoughts and replies, the more the merrier,
Gus