I can't understate the benefit of a good DAC, especially if the speakers, amplification, and room acoustics are good. Obviously, a super high quality DAC or extraordinary CDP are not going to turn a mediocre system into an exemplary system, and the money to buy an expensive component might be more wisely used in other ways.
Maybe you can borrow a decent DAC to test with your system and find out if there is much of a difference. When I connected the AVA Insight DAC in my system, I could hear sounds that were never there before, and I was using a pair of Spendor speakers, which do not have the HT2-TL's detail. I recently listened to Revel Salon2 speakers driven by Levinson gear at a local dealer's GTG, and the HT2-TL in my system had as much detail (and sounded better), IMO. The fellow who purchased my ST RT also heard the Revel system, albeit at a different time, and he thought that the ST RT were better. (Dennis and George can both vouch that my 205 square foot room would not be the reason.) Your speakers are not lacking the ability to reproduce detailed source material, apples to apples or not.