If any help, I own a CD5, it is still going strong and is enjoyable to listen to through a XS3.
About 5 months ago I bought a mk1 Unitiqute (as a second system, also running the audio for our tv). I use it with bubble upnp (that would also work with a ND5 XS, or original NDX), setup of that is not tricky, but not plug and play, I would say it is achievable for anyone into their hifi with an hour or two to spare. I use the UQ1 for Qobuz and local streaming. The UQ1 sold me on streaming as a source, albeit in addition to CD and vinyl.
As a relatively cheap way to add streaming to my main hifi I bought a 2nd hand Hugo mk1 DAC, I plug my phone into it via USB, and use USB Audio Player Pro to get hi res digital into the DAC.
The Hugo is a better source than my CD5, and runs my vinyl setup really close, depending on mood/music etc.
From what I hear, I suspect I could better ND5 XS2 performance with a separate DAC and streamer, Chord Qutest/NDAC & Bluesound for example (others are available). The ND5 XS2 would fit nicer visually, and probably be simpler in use. I think an NDX2 is a bit of a different proposition, but also a higher price bracket.
I like buying physical media, not least as I suspect it puts more money into artist’s pockets than streaming. I cannot buy everything on vinyl, so will continue to buy CDs. I haven’t bought a significant number of hi res downloads as yet.
I’m not sure how I might end up with streaming in my main system at this point. I hope my CD5 lasts forever, but it obviously will not! I do suspect I’ll eventually end up with a local and remote streaming solution, allowing me to continue to buy media. I would love a NDX2, but I’m just not at that level, so suspect a Bluesound and DAC (likely Chord or Naim) will be where I end up. If/as/when my CD5 fails, and assuming new mechs are not an option, I would consider a CD transport, or just stick to ripping and streaming locally.
A Mac mini, CD drive, and likely NAS once the Mac fills up, supports my local streaming needs, and runs bubble upnp server that I use to transcode to WAV. You could make do just with bubble upnp on your phone though.
All in the hope that my thought process, such as it is, helps your decision process