Hi again @tko956 , I used to think that which chip was important, but I really think it is the implementation of the chip that makes the final sound. My fav is the MM Tambaqui, showing up used now for under 8k, a bit over budget but world renowned. It's resolution would blow you away, not hurt your ears! I believe the Tambaqui is not quite R2R, Delta Sigma or chip based but proprietary and unique.
While buying with a return option is ideal, buying a quality piece at a good price is generally easy to resell if you want, and then no pressure to decide in 15 or 30 days. So many good options though!

