@reelDeal,
I believe when the DAC is used it bypasses the amp section or you would be couple amping causing a clipping sound. I'm sure someone will correct me if I'm wrong.
As for your second question I have all the things you mentioned and if I would have bought the HA2 first having listened to the X5 or DX90 I would have stuck with the HA2. The HA2 sounds incredible with my iPhone 5s and Spotify.
I believe when the DAC is used it bypasses the amp section or you would be couple amping causing a clipping sound. I'm sure someone will correct me if I'm wrong.
As for your second question I have all the things you mentioned and if I would have bought the HA2 first having listened to the X5 or DX90 I would have stuck with the HA2. The HA2 sounds incredible with my iPhone 5s and Spotify.