I received my 105 on 11/20 and let it burn in for several days before I did any serious listening. My two channel system is:
Audio Research LS27
Mark Levinson 433
Revel Studio 2's
Basis 2500, Graham Supreme, Benz Ruby 3
As you can probably tell from the above, I'm a long time vinyl devotee. To this day I've felt that vinyl still reproduces the sound of live music in real space better than digital. Digital has advantages, but string tone and three dimentional space have never approached what I get from records. On a well recorded and well mastered piece of music, I've yet to hear a CD sound as real as vinyl. With SACD it was closer, but vinyl by a nose. Since I listen to lots of classical I typically use massed strings as my primary test. Digital, even SACD, still made the strings sound a bit more course and less sweet.
The Oppo 105 has made a believer out of me. Using the XLR connections, my system is fully balanced, SACD sound in particular is thrilling. The Szell SACD's on Sony classical are a revelation. I've never been able to stand his records because they are compressed on the low end with a piercing upper mid range. On my previous player, a Denon 3930, they were better than the records but nothing special. With the Oppo 105 I hear the orchestra, Severance Hall and the cushion of air within. I compared the Reiner SACD of Also Sprach Zarathustra to the 45RPM Classic Reissue vinyl. With the Denon it was no contest, with the Oppo it was a very close call. My jaw hit the floor when I played some of the early Rolling Stones on SACD. I've been listening to "The Last Time" for more years than I care to admit. I never, and I mean never, heard it like I did yesterday.
Regular CD is improved as well, but the Oppo can't overcome the limitations built into the format. The HDCD Reference Recordings I tried were great, but regular CD with the Oppo only went from good to pretty good. It was the jump in SACD quality that really lit my fuse.
I have a dedicated, treated room. While it serves a dual purpose, HT and 2 channel, 2 channel sound comes first. In my room, which has good acoustic properties, DRC is fine for HT. But I've never liked what it did to 2 channel. If you much prefer the sound you get now using DRC, then the 103 may make more sense for you. But if you don't use DRC for two channel, then the 105 should be on your short list.
Finally, I've never tried or heard the 95. So how it compares to the 105 I'll leave to others.
Well done Oppo!