How are you connecting Lumin to your DAC? I am asking because AES/SPDIF is way better than USB in on DAC.Costing nothing beyond an Audirvana subscription and FM Joshua's DIY USB cable, the Macbook Air served me well. Now after close to Rs. 10 lacs down the tube, I ask, like the guy in the Royal Stag commercial 'Have I made it large?'
As for your spending, I/we can only suggest and it is up to the audience whether to believe/try it or not. I am not sure if you saw my several posts on the importance of good LPS. Just to give you an idea, the SMPS inside one of your LUMIN's cost just $50 (or even less for folks like Lumin) while the cost of a moderately good LPS starts around $300.