I think that to use your HD650 in a way that justifies your lossless files you definitely need a headphone amp and a USB DAC, or a combined headphone amp and USB DAC. I think the HD650s definitely need a decent headphone amplier to get anything like the best out of them.
Combined amplifier/USB DACs you could look at are the Meier Corder Aria:-
http://www.meier-audio.homepage.t-online.de/aria.htm
Or the more expensive Corda Opera:-
http://www.meier-audio.homepage.t-online.de/opera.htm
And there have been some very encouraging reports of the much cheaper Headphonia:-
http://www.headphonia.co.uk/Amps/HEA...tches::43.html
You could also think about the Headroom Micro Line:-
http://www.headphone.com/products/he...he-micro-line/
All these amplifiers have crossfeed, which I think is desirable. I find that there are some early stereo recordings that are all left or right, and they can be hard to listen to on headphones, and crossfeed is a great help with them. I have one amplifier with crossfeed and another without, and there are times when I feel I need the crossfeed.
Of course there are two schools of headhone users, those who must have a valve amplifier, and those who prefer solid state, so you might want to think about what camp you are in.
An amazingly cheap valve headphone amplifier with a USB DAC is the Dared MP-5 (this costs £250, including a pair of white cotton gloves):-
http://www.enjoythemusic.com/magazin.../dared_mp5.htm http://www.kronoshi-fi.co.uk/dared-amps.htm
There are very many delicious-looking and sounding DACs and amplifiers out there, and you might go to head-fi.org and lurk a bit (there are long threads on the Opera and the Headphonia there at the moment) but make sure your credit card is in good fettle first!
Good luck with your choice.