I'd go with the MHDT havana
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I would think you are getting close to the most recent model Bel Canto DAC on the used market. I have a Bel Canto with the SB Duet and am happy using the coax.
I also have another SB Duet on the Cambridge DAC Magic and that seems pretty close. Finally I have a Musically Fidelity V-Dac on another SB Duet. That is a lower grade system but sounds pretty good too.
I think the SB Duet does need a DAC to make the sound into music.
Tough to beat the Cambridge DAC Magic on price to performance but I like the pedigree of Benchmark DAC1. Less of the off the shelf market components and a lot of in-house development of components and software.
You want to see some type of innovation like the UltraLock jitter-immune clock-isolation technology versus using general parts.