So... if you are going to use typical 'line' semi pro source, 20 db gain is more than ok.
And now we go back to where to put this gain stage in the signal chain.
There is a reason why it is placed post riaa and switchable between line and riaa: it serve to compensate between output difference between line and riaa.
A typical consumer da output(some digital deck player) will have something like 2volts max out.
Compare to the max 0.77volts of riaa... you'll need this gain stage to compensate between both of them.
Do you still follow me?
Back to your output transformer: there is no relation between the way it drive (the line out balanced) or is driven (unbalanced) and the need for a driver stage before it.
There is need for a low output impedance to drive a line and your potentiometer does not provide it.
There is no way out : you need an opamp (or other gain stage) to drive the output transformer.
You talk about an eq... which wasn t planned at first. Where do you want to place it in the signal chain?
You seems not to care about but this does change many things about headroom and reference level at which the circuits are working. And you should have planned this first (as it ll determine SNR, headroom,as well as the characteristic of the output transformer...and so the rail voltage you ll need in the psu too).
I don t follow your comment about the eq circuit and the gain stagging. Here too i think you don t really understand principle of snr, headroom and such... but i may proven to be wrong.
The rail voltage determine the max output voltage your circuit will have and the headroom you ll have in the preceeding stage (eq, buffer, gain stage, preamp,...). If a psu is well designed there is no noise issue so no compromisd to be made (given you know what to design for). I would target at the more headroom possible so the more voltage opamp allow.