CD vs SACD in STEREO

I buy classical SACDs from Amazon, Presto, Berkshire Record Outlet, and eBay.  
 

Kal Rubinson , who has posted on this site, has reviewed a few multi channel DACs.  As has been mentioned, none of these are by mainstream companies.  They will all be costly.  So if having a multi channel DAC is a priority, I would go with a processor-pre amp combo.  McIntosh would be my choice.  Alternatively use the DACs in the player.

  One could get a 2 channel DAC for the fronts and then use the processor or receiver DAC for the center and rears.  The fronts are going to handle the bulk of the music in a good (non gimmicky) SACD, with the rear being for ambience.  I actually did this for a while using an old DAC and and Anthem 5.1.  
 

@mahler123 " Alternatively use the DACs in the player." Or use DAC in 5.1 Receiver, right? My question (not answered) is: What DAC is better with reference to my 2 systems: 

System 1 with Oppo 103 and Onkyo TX-RZ810 via HDMI

System 2 with Sony UPB-X700 and Denon AVR-4520CI via HDMI

Currently connected to laptop: Shiit Modi 3 DAC (but only 2 channel_

on hand (not used): T763 receiver (no HDMI, only optical, coax), Musical Fidelity M1 DAC (old; USB, Optical, Coax input, only 2 channel).

@richardbrand DSOTM ordered this, hope it is the correct version: https://www.ebay.com/itm/335917371699

I DO have the Sony X700 (on system 2, oppo 103 on system 1). 

Dumb question but never really thought about it: when connecting SACD player (oppo 103 and Sony X700) with HDMI to receiver, which DAC is in use? Player or Receiver? 

@richardbrand 

Please explain your thinking about 'never' having a Center Channel, perhaps a separate discussion?

thanks, Elliott