Cheers all for the thoughts, all things considered I have decided on the FLAC route ... mainly!! I may have 'wasted' 4-5 hours researching but have saved a packet on a 'Monitor Audio A100 Wireless Stereo Integrated Amplifier - White' £129 delivered and then downloaded BubbleUPnP Android app to control it all on my tablet or phone. Many 5***** reviews at £400, but now reduced to clear final stock via Richer Sounds on Amazon (for the free delivery). Will likely be replaced soon hence price, but that's OK.
Is mainly set up to plug and play style partner with Apple gear but the Android app will run it all fine having done the research. I can also run my TV sound through the optical input to the speakers and get rid of my expensive (back in the day), big, beautiful but now largely unused AV amp. I've the rear and centre speakers stored as my room doesn't lend itself to full set up any more, so likely add the amp to the for sale section.
The new A100 runs FLAC wirelessly using Tidal, or cloud-based or local NAS hard drive stored music. Only bummer I can see is you can't plug in a USM hard drive directly, but that's only an issue if wifi is flaky and won't stream consistently. Maybe I could get an optical to USB adaptor and run it if I needed to, tho my wifi is pretty decent ... will check. The front USB only supports Apple!! No Bluetooth as Apple didn't used to allow it on Apple certified gear (I think they do now).
When it arrives I'll let you know results!
On the analogue side I am still considering a turntable as it would be within my £350-400 overall budget still. I just dunno if I fancy trailing around LP shopping like I once did and as pointed out above the pristine nature of a new LP is soon tarnished by sticky fingers and dust. There is something very slippers and pipe about a nice LP and fully manual turntable set up tho

Maybe if the right mega bargain appears!