To the Monoblock question before,
@tmurnin , yes you can stack them. Outlaw recommends no more than 3 high. Mine, even in spirited sessions, never get more than slightly warm.
I like Monoblocks because each speaker has its own power supply. I am never concerned about my program material and whether I may be taxing the amp stage of my AVR. For that, my AVR is more than adequate to handle the demands of Rears and eventually Atmos.
As to whether you should upgrade the AVR now... or later? That's a toss up. It works, but power is questionable. Amp may help in your situation. I cannot speak to the manner with which that NAD of yours handles the processing duties. If it is capable of outputting a clean signal to the External Amp(s), then you have no reason to ditch it and can put in on the 2-year plan.
On the other hand, just swapping out now can save you some headache, but will be a more immediate and larger investment than you seem to want to commit to right now.
Personally, I would look at the Amps now, and see if you can make the AVR work for the rest of its useful lifespan, or as I suggested, put it on a replacement plan in next year or two. The Amps will be nice for a long time to come if you get solid tech. (No experience with that Rotel, so I can't help you there.)