@arazmj I am aware your new to the forum with this Thread OP as your first post.
I have followed the Umami Blue Cart' and all I have read (not experienced) suggests the sonic traits produced by the Cart' leans towards what I like to hear as an End Sound.
As we seemingly are Wed to a particular sonic produced from a Cart', I would like to share I have expressed a long term interest in SUT's as well as Head Amp's.
I would also suggest spending on big ticket items is not going to guarantee a experience that is extremely impressive.
From my experiences where extremely impressive can be found, is when Cart'>SUT matching is optimised, the 'X' Factor has been experienced as Jaw Dropping Good.
My most recent experience of this occurring, and from recollections the most impressive experience I have had using a SUT, has been when the brand Sculpture A was being demonstrated with both Copper and Silver Coils, and the Copper was purpose wound to match the Cart' in use.
Not that I can prove it from subjective evaluation, but I believe Sculpture A Tranx Design which is utilising nano-crystalline toroidal cores instead of EI cores, has been a substantial factor in contributing to the End Sound that created such a good impression. If this is to be challenged then so be it.
An individual known as Zsolt Bodnar is the independent designer / producer of the Coil Windings for the Sculpture A products.
I know an individual in the UK who has their own SUT Tranx's bespoke produced by Zsolt. When my own circumstances allow for me to become fully focused on the Analogue Source, I intend on discussing my interest in what is achievable with Zsolt designs directly.
Making a contact yourself with Zsolt may prove to be an acceptably affordable way to get a SUT that meets your requirement, I suspect a additional Cart' can be considered from your $5K budget with the saving made.

