High Quality Universal Player??

Couple of points:
1. I own an older model Oppo and have had no problems and have listened to the 103 & 105. Regarding online purchasing: Oppo is very good (or it was when I dealt with them) for customer service. I did not have problems with my unit, but did have a few questions. They answered promptly and in detail. Their customer service is very good, and one of the reasons I tried them in the first place. I wouldn't be too concerned about ordering online; more about supporting local dealers.
2. If you have any plans to use the Oppo DAC and have the budget, go with the 105. They have done a nice job incorporating the Sabre 9018 and the sound is superior to the 103. It also has a few other features that are worth it for the flexibility imo. It really punches above its weight.

That's the thing! The 95 uses the same Sabre 9018, it does not let you use it as a system DAC (not into that yet), have HDMI audio out (my receiver has no HDMI in) or support 4k video upscaling (I'm not even connecting to a TV!). I thought I could save a pile of money by scoring a used 95. But they must still be in high demand. I wish Oppo made a cheaper Audio only version like Marantz does with the SA8005; but I guess that wouldn't play DVD-A either.

I have both an Arcam (older model) and an Oppo 105 D with the Modwright tube mod. The Oppo is very good and I would find myself hard pressed to do better, especially for the money. The older Arcan is also very good and I also have respect for it. I don't think you could go wrong with either of these choices.

I bought a refurbed BDP-103 and it has arrived.  I haven't tested it A-B against the same CD or pressing vs. my Cal Audio Icon yet, but it sounds good and is pretty easy to operate as a disc player.

BUT, I am having trouble getting it to play music from my Mac using iTunes.  I have ripped all my CDs onto the Mac in Apple Lossless files.

I can get the BDP-103 to recognize my WiFi network, password, etc. but it keeps asking for another Username and password when I open the Network icon on the player, my computer name, and then either the Music or Photos file icons the player then shows.