I vote for the 103. I have the 95, and it is only used for media disc play. If you want to play flac files, pick up a 103 and grab a separate multi purpose renderer like Sonos Connect. There are several choices, but Sonos is pretty easy to use and offers lots of nice streaming options.
Also, with respect to the 95, the DLNA media file system for playing flac files on the Oppo 95 is clunky at best. It works, but it's not real user friendly. If I were replacing mine today, I'd go with the 103 or 103 Darbee.