EAR,
I'd have to echo Spiffnme's sentiments. Buy the best 2 channel system you can afford (definitely give the M80s a listen, as Alan said there aren't many speakers as accurate as them). If you decide you want to listen to multichannel music, do it on your ht. If you come in to more money down the road, you could always expand you're 2 channel system to 5 speakers. To me, that seems the most logical way to proceed.

"Chickens don't clap."