I have a probably ~$20k modular rack. It's a lot of fun to experiment with, but the fact that you don't have patch save/recall really slashes the utility.

Doing everything in a DAW is the most practical from a "business" standpoint, but it's way less amenable to creative exploration. You really have to know what you want already.

The practical compromise that works best for me is a well-designed hardware realtime synth. You have access to a small fraction of the design space of modular, but a higher fraction of the accessible design space sounds good, and you of course have patch save/recall.

Recently what I've been doing is creating modular patches, driving them with MIDI, and recording the output into my Elektron Tonverk using their on-device multisample recording. You can record samples at a bunch of different pitch/velocity pairs and save them into a multisample file.

You might find some joy in tossing an octatrack towards the end of your chain. It pairs really nicely with modular

The Buchla Easel is semimodular and has preset cards and a memory recall card