A nice budget. I am sure that you will get a nice outcome. A few suggestions/observations.
1) I totally agree about separating the streamer from the DAC. Of the two I would place more budget in the DAC.
2) regarding SACD. I get excellent results with a my Oppo 105 playing SACD over HDMI to my Bryston DAC 3 which has HDMI inputs. The Oppo has to be programmed in settings to output SACD over HDMI.
Oppo of course is long gone but their creators moved on to Magnetar and the setup menus are the same. Magnetar players are supposed to have good internal DACs. With your budget you could afford to add a separate player just for SACD or if you find a DAC that accepts HDMI use that DAC for both SACD,CD, as well as the streamer. My understanding is that Bryston no longer makes SACD DACs.
I listened to the McIntosh SACD-DAC combination that uses a MCIntosh proprietary input between players. It was awesome. At the time I saw it the combo was about 11K. Even if it’s gone up that still leaves a healthy budget for streamers. Good luck

