The sound quality is mainly determined by the DAC. On the other hand, the Lumin U1 mini is a good choice. On the one hand, it looks more like a hi-fi device, on the other hand, it is not only Roon tested, it can also be controlled via the very well-designed Lumin app. If you have the money and want to reward yourself, treat yourself to the Lumin as a Christmas present. It will certainly not sound worse than the Allo, but it will look a lot better 
It depends on. I have my own personal attitude towards this. However, that’s not really cheap 
