Welcome Ginny!
The Rachel is a great amp. I have two

We all started where you are at more or less. Take your time. Do your research and make purchases when they make sense. And a year later, you will look back with astonishment as to how far you have come.
I noticed in your post you were considering the Oppo 205. And one of the reasons for attaining this unit was for streaming purposes. I want to point out the with the 205, Oppo eliminated ALL third party apps. Unlike the 103 and 105 prior, you cannot stream with the 205. No Tidal, no Netflix, nothing. I have a 205 and it is really a quantum leap over the prior model sound quality-wise, but a major step back in terms of services it offers. According to Oppo, the reason they eliminated all of the apps was for simplicity and improvement in sound quality. Regardless of the reason, you won't have any streaming capability. That is what ultimately led me to the PS Audio DirectStream DAC. I am a big Tidal and MQA fan and wanted the ease of app based streaming. I used to be able to do it through the Oppo via my modded 103. I assumed I would be able to do the same with the 205. Not the case.
Anyway, I still think the 205 is a great unit and it is serving me well in my system. I just wanted to make sure you are aware of this limitation before shelling out the cash.
Cheers!