Thanx to posting on this thread, a fm contacted me and now I actually have a pair of the Wharfedale 220's. Got them at a good price, less than half of the Zensor 3's. Would have to say that the Zensors 3's are better, even to my relatively inexperienced ears. But twice as good, I doubt it. If moolah is not a factor the Z3's are great, and u probably would not want a sub with those, especially since they are not going to be used in a HT setup.
Now coming to my experience with the wharfedales. Bear in mind, this comes with minimal experience in hi-fi except for the Audioengines which my bro has. Therefore I was prepared for the Wharfes having next to no low end presence, but the speakers have good bass. A sub would help, but I can go 2.0 for a while since I'm satisfied with the low end. My bigger worry was the sensitivity, since the NAD is supposed to be a 30 watt amp, but have not been able to go beyond 80% on the volume dial because its too loud. So those worries have been laid to rest.
Overall sound is way better than what I am used to, which is not saying much. But truthfully, was expecting a kind of sonic revelation which I guess does'nt happen at this budget.
Don't know if the NAD can be called a "warm" amp. Combo with Wharfes is nice, and not fatiguing, at least for me. Low volume listening is fine, though I like them slightly loud. Btw the Dali Zensors( even the 1's) are consistently rated above the wharfes, though there is the matter of personal preference. Hope this helps.