You're definitely over dramatizing it. Lots of people here listen to their stuff and do not continuously purchase stuff as a hobby. Performance != Price and diminishing returns is very significant.When things don't matter and there's no objective winner and it's all up to whim and taste, I struggle to feel confident in any decision. No matter what I choose, it feels like a mistake, because it's unfounded.
You need something that gives you adequate listening volume and a noise floor you can't hear. I even use my Aeon 2 Noire ($899 USD) almost exclusively on a $10 Apple USB-C Dongle DAC. It gets more than loud enough for me with EQ. Grab an Apple dongle DAC and a well reviewed headphone amp if it doesn't get loud enough. If you think you want a better DAC then buy the matching DAC for the stack after you've heard the Apple one.
I bet you won't be able to tell a difference between any of the options that have decent reviews on here. It's hard to compete with Qudelix 5K because it has really good EQ, bluetooth and more.