You present a valid perspective, one which I adhered to strictly in my earlier years as an audiophile. I first owned a complete Mark Levinson system and enjoyed it. I also tried Krell and Pass, also very fine products and companies...but until I tried a, then, boutique manufacturer in North Carolina called VAC and also Clayton Audio in St Louis I never realized the true potential of high end musicality.
i have not looked back or to other manufacturers since (nearly 20 years) only upgrading to their newer products when feasible. I feel fortunate to have strayed from the major manufacturer bandwagon when I did. That said, we do spend considerable money on our hobby and I do understand wanting to safeguard your investment. I've had great support from VAC and Clayton over the years, but fortunately the need was rare. Good listening!