You are up against everything that is wrong with the state of audio now.
There is lunatic esoteric gear and mass produced gear built to a price and desperately trying to get economies of scale.
This is the sort of lunatic esoteric gear I'm talking about.
That is just a CD player and does not need to look as if it is a fancy drone about to get airborne!
The next issue causing problems is the cost of licensing of HDMI especially and codecs. This gets expensive.
So the esoteric gear looks fancy and does not deliver much in the real world of today.
Now if you just want 2.0 you have choices. There is a good selection of modern and vintage gear especially to choose from.
You need a smart TV and a DAC to connect to the optical out and send analog to the pre amp. In this case you use your TV as the digital switch.
If you want 2.1 things then get complicated. To do that you will have to do your own bass management between preamp, amps and sub. This means getting an electronic crossover and setting it up. It even then is not true 2.1 as there is no dedicated LFE. However if this is mainly a music system it will work well.
Otherwise you need a receiver or pre/pro.
If you buy a multichannel pre/pro then I don't think you will come out budget wise.
So now you are left buying a multichannel receiver with pre outs.
You might want to consider that outlaw 2.1 receiver, the only one I'm aware of. User reviews have been mixed. I think you have to be careful getting into HDMI streaming and multiple codecs out of the mass produced equipment.
I know this is unsatisfactory, as a lot of this gear has very little pride of ownership.
I know you would think there would be a lot of demand for what you want. The problem is that at this time there is not. It is cheaper to make a lot of units that covers all the bases, even if a lot of users will never use all the amps, or a lot of the facilities.
I know this is far from a satisfactory situation, but that is the state of play at present, and I suspect for some time.
I agree that NAD unit is an expensive waste of space.