Brad, in your experience, it sounds like the (likely) very high input impedance of your SET amp was a disastrous load for your DAC, which, like most was (probably) just designed to drive the (hopefully) benign load of a preamp.
The scenario above, or something like it, is the generally-accepted explanation for lackluster performance in systems with a passive preamp, despite the theoretical advantages.
In my case, my integrated amplifier has a passive preamp (just a volume control, basically) built in, mated to a very sensitive amp (I think it goes to full power on 300-600 millivolts? Don't quote me.). As such, I can't drive the amp with a real preamp to see what the difference would be. [The amp, in general, is fast, dynamic and detailed, but I wouldn't describe it as warm.]
My current GamuT CD-1 puts out 4 volts, so it obviously shouldn't have a problem driving the amp directly. My previous Audio Aero Prima, with its higher-output-impedance tube stage, was less stellar. Anyway, I'm hoping the steroidal output of my cdp gives me a free ticket to play with passive in the future and not get burned.
Marinrider: re: your last point, someone unfortunately beat you to it. [let me check my email...]
http://www.tweakaudio.com/Ultimate%20Attenuators.htmlThe company is EVS, which does various mods and sells tweaky little bits like these. It's a shunt-based attenuator that you mount directly on your amp's rca input. There's a big knob, and another rca input for your source cable. Dual mono, obviously.
This is the height of tweaky inconvenience, (imagine bending over to reach the back your amp every time you need to adjust the volume--it makes those hairshirt dual-mono no-remote pre-amps look like the lap of luxury.) but it makes a lot of sense theoretically. For me, though, it's the answer to a question that no one's asked.
(I'm sure some enterprising person could market a sonically transparent remote control for them -- some Rube Goldberg contraption made out of a small gearbox, those wands from a set of venetian blinds, and a bunch of tinkertoys.)
I guess the sane person's compromise is to buy a remote-controlled passive box and use the shortest possible length of extremely low impedance cables to connect to the amp. But I think the amp's input impedance is the gating factor in most systems.