If the issue is to preserve cash flow, then you want the things that have the most impact 1st, ie: decent speakers.
I have a pair of ridiculously cheap ($99) Radio Shack Optimus Pro LX5s. Love them. The only decent speaker they ever sold, and they don't sell it anymore. Oh well.
So sure, I understand. But I also remember the 1st time I went from speakers plugged in to the TV to a full 7.1 environment (I'm 5.1 now, room's too small for 7.1). Full immersion at home is "different", and until you experience in your own environment, there is nothing I can say that can explain it.