I wouldn't sweat it about the 192kHz capability. If you're still using itunes to rip lossless from regular cds, the files will still be 16 bit/44.1kHz. So unless you're doing SACDs or high quality studio grade tracks (like purchasing the ones from HD Tracks) then your DAC will only be handling 44.1 kHz. And since you probably don't wanna be upsampling, then even 96 kHz will be above what you need.
Personally, to me the HD 650s are not suitable as a portable solution, they're open (not good for anything out of your home) and not exactly designed to weather the elements of outdoors/travel. So I'd say you should stick with more of a desktop solution... the M&M combo from Schitt seems to be your best bet for budget performance from what the reviews here say. I have the Fiio e09k/e17 combo (~$250 new), which is nice cause I use the e17 as a portable solution with my IEMs and then at home for my HD650s I stick it back in the dock on the e09k and run foobar from my PC via TOSLINK. Had this rig for about 6 months now, and it's the best my ears have heard thus far (although MattTCG is always tempting me with the Lyr )