I think you will be better off to use a RCA Y connector and forget about converting the XLR output.
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No, do not use a Y connector; it will compromise sound quality.
I had SignalCable make up a set of their Silver Resolution interconnects XLR to RCA with pin3 float. It works beautifully. It's said that DAC1 xlr output is superior to rca output.
While you're at it, pop the top and move the output level jumpers to the " o db." position. Much higher output level but much better sound. These two tweaks disprove the belief that the DAC1 is "hard" sounding.
Excellent news, Duke, that you had good results with the adapter interconnect.
Follow-up question: Would I be better off sending the XLR > RCA output to the integrated, or to the subs (which are low-passed at 45 Hz)? The integrated will be doing 95% of the musical work, so it ought to get the best signal. If I'm using adapter cables, I'll have to decide beforehand to order the right length.
In the end Cardas made me a couple of adapters with the 3-pin floated, with no extra charge for the custom order. I've had a few days to A/B the RCA vs. XLR outputs and to play with the attenuation jumpers inside.
Results: XLR output > adapter > unbalanced interconnect > amp is clearly better than the RCA out, which revealed an audible graininess on congested peaks and some sibilants. The XLR was much, much smoother.
I also preferred the -10dB jumper setting, which was quite close in output level to the fixed-level RCA outs. The -20dB setting was a little anemic, while in my setup the dynamics from the the 0dB output were a little flat. (Benchmark recommends using a jumper setting that yields normal listening levels north of 11:00 on the DAC1 volume control, and to do so I had to turn the stepped attenuator on the tube integrated from noon to less than 10:00.) -10dB was the Goldilocks setting for me.
Going forward in my setup, the XLR outs with adapters will feed my amp and monitors, while the RCA outs will go to the stereo subs.
Bottom line: if you're using the RCA outs, getting the $58 Cardas adapter (Moon Audio sells 'em cheaper than Music Direct) for the XLR out is a clear improvement.