Seek, I'd also suggest Dean's setup 2., when your budget permits. At this point, since your budget doesn't permit, I'd suggest going with the M22s and QS8s first, then later the sub and center. Without surrounds you really don't have an HT setup, while you can use a "phantom" center formed by the M22s. Also, I found the M22s to have adequate bass for many uses, although adding a good sub is highly desirable.

-----------------------------------

Enjoy the music, not the equipment.