I try not to spend money on stereo unless I begin to hear a "lack." Something begins to bug me. I don't know how I know, and it might take years of listening to a piece of equipment to realize I need to replace it.
I have a 25 year old Hovland Radia which sounds great driving my Sonus Faber Olympica Nova speakers. I hear nothing the Hovland does not do well. You might say I don't have very good ears, but they're my ears which have chosen my stereo.
Mono amps are on the bottom of my list. BTW, I live with a wife, and big booming bass is the last thing I need. I guess if somebody wanted a macho stereo he would buy big Boulder monos. I'm more interested in delicacy and layering, and I can't imagine monos improving on what I have. I do have a few things on my list of things I want but don't need. A really expensive phono cartridge and streamer would top the list. Mono amps wouldn't be on it, though.