try to get last year modesl as they are cheap like 1612 or 1912..and for now get a pair of fronts...dont go for a 5.1 set up right now....
get all stuffs step by step when budget is strong.
for now start with a 36k 1912 and a 15k pair of bookshelves....
sonopdyne,wharfedale,polk audio........demo and decide