My best suggestion for anyone new is buy used gear that you can sell at a low loss and try different stuff for a long time.
BINGO! I did that with DACs (and preamps) and found out what I wanted to know. That issue, for me, is settled.
Now I play with speakers.
Below is how the preamp / DAC mental gymnastics got settled... but the little "secret" is that little black box, by itself, is almost as good. I did it because I work hard and could, not because I needed to to be happy.
Buy gear used. The only "new" I buy are special speakers / speaker parts... if they can't be bought used. If you buy good stuff, and buy it right... you haven't actually lost the money - it's just value in a different form to have fun with until it needs to change form... like turning it into track tires.
I will say it's important not to skimp on what kind of cardboard you use for housing a test crossover that you're anxious to hear.