I'm kinda new to this too , but jumped in full steam.
I started with a separate DAC / Streamer - Bluesound and it is supposed to unfold Tidal MQA. I think that is a great deal for < $500 (or $375).
Qobuz is offering non MQA. Arguments abound on which is better. I have both. I think the Tidal uses the software to pump up sound. It is more colorful. I hear a difference, but have not determined my preference.
Players like Roon and Audirvana also shape the sound, so I don't know really what the original is, but I think it is less colored than the players. That being said - I like color.
I also have a dragonfly red DAC I plug in my USB port. It provides a good sound.
My old ears tell me <$700 gets your 98% of what <$7,000 does.
Some phones also have good DACs. The Samsung Note 9 is pretty good. Not as good as the Dragonfly, but good. I am using the Chord Qutest. I think I may have overpaid - but it looks great.