My ears are ready to retire!

My suggestion is to get a Sony Walkman and Grado GR10E earphones. The sound is excellent and portable.  If you get them from Amazon and they disappoint, a full return is easy.

from someone who owns two ( and a bunch of high end analog gear ), the NAIM Atom paired with a nice pair of even moderate 86-87db speakers will satisfy. Easy and there is a World of music out there.....
have fun, enjoy retirement 

For older ears, I strongly recommend tone controls & a loudness switch on your amp.
Your ears will feel like they are 15 yrs old again :-)

Astonishing the disrespect some posters show on this forum. The OP specifically asks about a simpler system for listening to digital. Two of the first three responders have the gall to tell him what an idiot he is for making his decision. @russ69  and @millercarbon we already know how you feel but your words are totally disrespectful to the OP. Didn’t your mother teach you if you can’t say something nice then STFU?

Matt

"...Didn’t your mother teach you if you can’t say something nice then STFU?..."

Yes she did. Being retired and at one time downsizing the advice I gave was the best advice I could give (sometimes good advice is not what you want to hear but it's still good advice). My advice was in no way disrespectful nor did I tell him he was an idiot, it was offering hope and perhaps a different way to look at things. Sorry it didn't meet your standards.