I spend about 300 euros on a really high end usb DAC for my desktop. I honestly don’t hear the difference between the desktop output and the expensive DAC. But I do totally hear the difference between a decent and cheap pair of headphones. I do still like my DAC because it’s able to power basically all large headphones and it also powers my speakers, so I don’t see it as money wasted.
You never really jumped in both feet, if you really make the switch you only used open source software that runs native on Linux, also you start programming instead of playing games.